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

To whom it may concern, I had signed on my XXXX XXXX account on XX/XX/XXXX and noticed hard inquiry 's I never authorized or signed up for. I am looking to have these removed as this is fraud and someone was trying to use my personal information. I just tried calling up some of these companies and they all pretty much said I have to dispute here in order for false inquiry 's to come off credit report here are the ones I do not recognize and believe them to be fraud ... I would like these to be removed from any credit card reporting agencies as I did not do any of this and it is inaccurate. 

XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Product: Debt collection

Aspen Collection is tr ying to collect maintenance fees in the amount of {$290.00} from o ur ( m y husband and I ) rescinded timeshare contract from  XXXX   XXXX   XXXX   XXXX . Aspen sent us a notice of collection in  XXXX  of  2016 . At that time, our timeshare contract was still in the process of still being cancelled. We disputed the debt with a response letter on  XXXX   XXXX   2016 . Aspen responded to our letter on  XXXX   XXXX     2016  with a copy of our contract. The issue is Aspen has not sent anything else in writing since  XXXX . It took my husband and a little over a year for the cancelled timeshare contract to be processed. From what we know as of  XXXX   2016 , our timeshare contract has been rescinded. We have not received any contact or documentation from the resort since  XXXX   XXXX   2016 . It has caused us much financial distress and something we never wanted to purchase in the first place. We were pressured into buying it through fraudulent practices and false promises by the  XXXX   XXXX . My credit took a hit due to the collection of the maintenance fees being sent to the   XXXX   credit bureau. Howeve r, Aspen has  been calling our house at least once a week over the last month still trying to collect a debt. They have not sent us any documentation since  XXXX   XXXX . It is our impressio n that Aspen is u naware our timeshare contract has been rescinded and is trying to collect on something that no longer exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have a contract with Debt Recovery Solutions ( DRS ) .They are furnishing false and inaccurate data to XXXX . My dispute with XXXX on XXXX XXXX, 2020 resulted in the inaccurate, false reported information by deleted and removed from.my report.. However its still is being reported at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I had a " hard inquiry '' placed on my Transunion credit report due to an inquiry I inadvertently made through XXXX XXXX. This inquiry was with XXXX XXXX who I do business with as I have XXXX XXXX XXXX with them. Outside of my error of making an inquiry, I already do business with XXXX XXXX so this mistaken inquiry should not be a hard inquiry damaging my credit. I spent a lot of time on the Transunion website and they do not allow disputes for hard inquiries. 
Can you please help me? 
Thank you.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I tried to send a payment for XXXX $ to someone. The payment didnt go through at first. An error popped up and said to try again. I tried again 3 more times. Each time the error message came up and said the payment could not be processed. I then called zelle customer services see what the problem was and they said that it must be the receivers bank. So I decided to send the money another way and decided to delete my Zelle account because this isnt the first time Ive had a problem. After deleting my account I then called my bank ( XX/XX/XXXX and XX/XX/XXXX ) to double check that the attempts wouldnt be completed. Now today, XX/XX/2021, I check my account and the 4 XXXX $ payments have been processed and completed. I order to rectify the situation I then contact zelle to which they claim they cant help me because I deleted my account. I asked them to replay the recording from XX/XX/XXXX where I asked them to make sure they didnt go through and they said theyre non existent. I dont know what else to do at this point.
Product: Credit card or prepaid card

I am disputing this account as my address being wrong, inaccurate information as to the opening date, and last activity date, also the interest is excessively high.
Product: Checking or savings account

In the past, I held multiple checking accounts with Bank of America. Unfortunately, during my time as their customer between XXXX and XXXX, I experienced recurring incidents where I was charged excessive fees for insufficient funds. These charges occurred multiple times for the same rejected transactions.
Product: Credit card

I filed a dispute for {$250.00} for a XXXX procedure, the dr left the company. I specially signed documents for that Dr only, the people then contacted me saying the Dr was no longer there so I asked that my {$250.00} be refunded because I did not want another Dr they would not refund my {$250.00}. So I contacted XXXX XXXXXXXX and filed a dispute I sent in all my messages showing they said the Dr was no longer there and the documents showing I signed for that Dr , surge never contacted me for additional documentation or anything they closed my dispute. I have been calling since XX/XX/XXXX to speak to a supervisor with surge everytime. I call they always say they cant get me over to one they have to call me back. Which is 24-48 hours I have been calling every week since XX/XX/XXXX it is now XX/XX/XXXX I have not spoken to a supervisor still. XXXX is the worst credit card company and I recommend them to no one. I have NEVER had a card where I cant speak to upper management and not one person call me back this is is a disgrace and a slap in the face as a card holder.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have been asking XXXX XXXX and XXXX XXXX update their records and my credit report to not show credit card information in my report which dose not belong to me. I have contacted them on numerous occasions, filed complain with Experian credit reporting agency requesting them to update the information, however nothing has been done. Once again I am a victim of identity theft and I have never authorized XXXX XXXX and XXXX XXXX to open an account under my name.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXd { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } 53432** 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.
Product: Credit reporting or other personal consumer reports

I understand that it is my right to obtain a copy of my XXXX XXXX XXXX report, under the Fair Credit Reporting Act. I am requesting a copy of my XXXX XXXX XXXX report sent to me via mail.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding fraudulent items associated with my account or the activities of your company/organization. I believe these items are fraudulent, and I request their immediate removal and resolution. 

Set a reasonable deadline for the recipient to resolve the issue. This will depend on the urgency of the situation, but typically, allowing a few weeks for a response is reasonable. ] I trust that Credit Bureaus takes this matter seriously and will conduct a thorough investigation into the fraudulent items in question. I expect a prompt and diligent response, and I reserve the right to take further legal action if the issue remains unresolved. I am asking for your immediate assistance to remove the items in my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00}.
Product: Student loan

I have been trying to log into MOHELA for months since about XXXX of 2024, first, my loan was transferred but the same company still owned it before the transfer I was able to log in and see my information now that the transfer has occurred I am not able to access my account at all. I have tried to login with my information from the previous site however it says my information is not in the system. So, I try to create a new account since the beginning of XXXX of 2024 and every time I try to make a new account it tells me there's an error and to try again later. Well, I have received a letter in the mail stating that after XX/XX/year> they will send the loans to a debt collector and it will go in to delinquent or something of that nature and I still haven't been able to log in and pay on the loan or try and defer the loan ( s ). I am complain because I have been calling and haven't got any answers to my questions, I have been given the run around on who to contact and how to contact them and today is the XXXX of XXXX so I am not sure if the loans will be sent to debt collectors or what will happen with that since I can't and haven't got in contact with someone who can help me or knows how to help me.
Product: Debt collection

Forster and Garbus uses deceptive and abusive business practices. Made Phone calls to my work. 
Waited 20 days to Tape a Notice of Commencement of Action Filing papers on my front door with all my information and details displayed for the public and all to see and read. A friend who came to visit read the posted notice and alerted me at work. I immediately left work early to come home and remove the notice from my door. As soon as I came home, my neighbor informed me that he had read the notice and was going to call me. It was embarrassing! I immediately took a picture of the posted notice
Product: Checking or savings account

Someone submitted a fraudulent check into my account with my knowledge or permission. XXXX was made available instantly they withdrew {$500.00} I was unaware of all of this it happened XXXX I didnt find out until my account was in the negative. I went into the branch and explained I was a victim of identity theft they said they would investigate. They told me I would be responsible for paying it back which was absurd Im a victim Im positive the signature was not mine and it wasnt me at the ATM if I had done this which I never would because I value my banks I would have gone inside and withdrawn the whole $ XXXX this happened at XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report contains fraudulent accounts that were opened without my authorization due to identity theft. I have submitted a dispute letter and an FTC Identity Theft Report XXXX XXXX XXXX XXXX as supporting evidence, yet these accounts remain on my Equifax report. 

Equifax is required under the Fair Credit Reporting Act ( FCRA ) to investigate and remove any fraudulent accounts that can not be verified. These accounts do not belong to me and should be deleted immediately.
Product: Debt collection

We received a collection notice from XXXX credit management for a debt turned over to them from synchrony bank. Th original company was paypal. The debt was made XXXX and turned over to midland on XX/XX/20 This is not our account and the address which all this information was sent to is not us as it is in another state.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXXXXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXX before the payment due date. 

XXXXXXXX XXXX XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX XXXX  before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Find out more than 2 credit cards ( XXXX XXXX XXXX XXXX XXXX XXXX ) was reported to my credit, the same day i called both banks and explain them that i dont know nothing about those cards .right away, i report it to the police and follow up with the banks ( XXXX XXXX XXXX XXXX XXXX XXXX ) but especially XXXX XXXX did not want to fix/solve the issue all they do was adding interest instead of fixing the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : DPT ED/XXXX-XXXXXXXX-Balance {$21000.00} XXXX-Balance {$25000.00} XXXX-XXXXXXXX-Balance {$0.00} XXXX XXXX-XXXXXXXX-Balance {$1200.00} XXXX XXXX-XXXXXXXX-Balance {$780.00} XXXX**-Balance {$75.00}
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX  XXXX the three major credit reporting agenciesXXXX XXXXXXXX, and TransUnionregarding the inaccurate reporting of a late payment on my credit reports from XX/XX/year>. 

I had set up autopay for my credit card in XX/XX/year> for this card and received a confirmation following the setup, but due to a failure on the part of the credit card company, it was not activated. This resulted in a late payment in XX/XX/year>, which I was unaware of because I did not receive any paper statements or email notifications about the missed payment. 

Upon discovering the issue, I promptly contacted the credit card company on XX/XX/year> and paid the balance in full, and had any interest fees removed as it was an error on the Bank. The autopay was reset up and the Bank advised they were going to correct the late payment information sent to the credit bureaus. They sent me a letter on XX/XX/year> saying they researched the deliquency and did not find any errors. I called back in after receiving and discovered the agent who submitted it did not provide accurate info, so a representative corrected the information and resubmitted. This still has not been corrected and when I have called, I have not been provided with any additional information, Despite resolving the matter quickly, the late payment was reported to the credit bureaus, and my credit score dropped significantly as a result. 

I contacted the credit card company to dispute the late payments, but they stated that they found no error on their part and would not remove the late payments from my credit report. 

This inaccurate reporting has caused significant harm to my credit score. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy of the information they report. I believe that the late payments were reported in error and should be removed. 


Thank you for your attention to this matter.
Product: Credit card or prepaid card

Hi, I purchased 3 gift cards ( BlackHawk Network ) from XXXX XXXX in XXXX, Ma totaling {$1500.00}. Within a few days, all three gift cards were used to make unauthorized purchases. I contacted Blackhawk Network in regards to getting a refund. I was informed to file a complaint and submit photo of the gift cards, receipt from the purchase of gift cards and a dispute form. This was done on XX/XX/2019. Since then, I called Balckhawk Network numerous time and was informed that they sent replacement cards. I still haven't received anything since. I been trying to resolve this issues for quite some time to no avail. Can you help me please. 

The case number for the dispute that was issued by BlackHawk Network is # XXXX Thank You
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items 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 any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX  XXXX Balance : {$12000.00} XXXX XXXX  XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$9500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$9500.00} XXXX XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX Balance : {$12000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$3200.00} XXXX XXXX XXXX  Balance : {$9500.00} XXXX XXXX  XXXX Balance : {$860.00}
Product: Credit reporting or other personal consumer reports

RE Account Numbers XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, This letter is a formal complaint that you are reporting my nonpublic and personal information without my written consent. Please show me the proof you sent me giving me options on how I could opt out of sharing my nonpublic information and proof showing you gave me the option to not disclose my transaction history each month with a third party. 
The law states a consumer must give written consent to opt out of sharing their nonpublic information to the financial institution. I did this and you stated I did not have that right to opt out. It is a violation to report my transactions or experiences between you and I with a third party or consumer reporting agency without my written consent. It is the policy stated by 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 to insure the security and confidentiality of their customer records and information. This includes protecting against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 

I the consumer should have been given the opportunity, before such information was to be reported which gives me the option to direct you that such information should not be reported. I also should have been explained how I could exercise that nondisclosure option, which I was never advised. I have written multiple times, and you have continued to ignore my written request. 

Your failure to comply with the law and my written request has hurt my ability to obtain credit. Again, I am requesting to opt out of sharing my nonpublic information and for you to remove all my transaction history from all nonaffiliated third parties such as XXXX, XXXX, and Trans Union immediately. Otherwise, I will pursue legal actions for every month my nonpublic information has been reported which could be a fine of {$1000.00} per violation. 

Thank you for your immediate attention to this matter. 

XXXX XXXX XXXX, BENEFICIARY Without Recourse, All Rights Reserved