23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Was given a Visa pre-paid gift card. Rejected for in-store purchase. Using an online-provided service, I found three fraudulent charges that had taken the balance of the card ( originally loaded with {$300.00} ) to {$1.00}. Called Visa pre-paid card services six times to get this issue handled. Was only able to reach a human operator once, and that person then put me on hold to see an " accounts specialist ''. I was kept on hold for another 1.5 hours before the call was suddenly dropped. The " Help line '' for Visa Gift Cards is just an automated message that tells you to either call the number on the back of the gift card, or steps to take to buy a new gift card, with no other options available.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - THIS IS NOT A DUPLICATE COMPLAINT - I AM INCLUDING NOW A THIRD LETTER FROM XXXX DATED XX/XX/XXXX. THIS IS NEW AND RELEVANT INFORMATION. 

Experian continues to report the XXXX account number XXXX. They are refusing to delete this item from my credit report in spite of the fact that XXXX has requested that they delete the account from my credit report 3 times. On XX/XX/XXXX XXXX sent a request to Experian to dedele the account from my credit report. On XX/XX/XXXX XXXX sent a request to Experian to dedele the account from my credit report. On XX/XX/XXXX XXXX sent a request to Experian to dedele the account from my credit report. Experian continues to refuse to delete the XXXX account. 



XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX,  NYXX/XX/1001 XXXX
Product: Debt collection

Received a call from XXXX stating that I needed to contact XXXX LVNV Funding because they were suing me. I called them on XX/XX/XXXX at XXXXXXXX XXXX XXXX I asked what this was about and was told that it was from XX/XX/XXXX and I had refused to pay a bill. I had to ask several times who and what this was for. He told me I knew and I stated I had nothing on credit file in reference to this. I was told I did not know anything about credit. I asked if they were filing a suit in XXXX XXXX court and kept being told they were going to take money from my bank and work. Then he called me a maggot several times and hung up.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 card or prepaid card

I was shocked when I reviewed my credit report and found late payment on XX/XX/2019. 
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent Experian a followup letter regarding a previous letter from XX/XX/2021 and XX/XX/2021, regarding an alleged debt collection on my credit report by the company " XXXX XXXX XXXX XXXX which I have also reached out to with no response on these same exact dates. The company has not responded to my verification letters sent on the the aforementioned dates above. It has now been close to 90 days since the original dispute on XX/XX/2021 that has not been addressed neither by the credit bureau Experian nor the credit, XXXX XXXX XXXX  The investigation took way longer then 30 days and they never sent anything to my email as they claimed the emails were bouncing back which I doubt as this has been my correct email address for many years. They are both in violation of my rights under the " Fair Credit Act '', for not producing verification documents of this alleged debt on my credit report that is affecting my credit scores and ability to obtain credit. I demand that they immediately remove this debt upon receipt of this notice. Further more, I have also submitted a complaint here with both Experian and the creditor, XXXX XXXX XXXX, for their failure to provide proof of debt with original documentation for the alleged collection account on my credit report. Please see to it, that this time is removed immediately off my credit reports, Experian and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX the two credit cards used on line for deliveries ( I am XXXX XXXX needing supplies for survival ) XXXX  & XXXX both had UNAUTHORIZED TRANSACTIONS of {$8000.00} Not ordered from my phone IP Address & OR Items charged Not Delivered. Equifax XXXX Data Breach Confirmed my data was exposed. Mail fraud occurred see attatched CRIMINAL INVESTIGATION UNITED STATES POSTAL INSPECTION LETTER dated XX/XX/XXXX USPS ( DELIVERIES NOT MADE. ) See attatched FTC ID Theft case XXXX. * ( BANKS ARE NOT WCAG ADA  2.1 COMPLIANT PER FERERAL LAW* ) See Police Report. See Equifax Confirmation XXXX Reported Disputed NOT FIXED. XXXX ACCOUNT XXXX XXXX ACCOUNT XXXX & XXXX ACCOUNT XXXX ( Despite written requests, the unverified original signatures for deliveries made into my hands & signatures of contract application still remain on my credit report in violation of Federal Law. Federal FCRA Law requires a copy to be held on file. Equifax is required by law to VERIFY that this information is mine and correct having recieved items charged. In results of investigation you stated these items " VERIFIED '' being " REPORTED CORRECTLY "? ) Who verified these accounts? Equifax has Not provided me a copy of any original signatures deliveries made into my hands or contracts of application as required under SECTION 609 a1A & SECTION 611 a1A.  Furthermore equifax has ( failed to provide method of verification as required under section 611 a 7 ).  Equifax please be advised under SECTION 611 5 A of FCRA - you are required to .... " promply DELETE all information which can not be verified '' The law is very clear as to civil liability and remedy available to me ( SECTION 616 & 617 ) if you fail to comply. I DEMAND THESE ACCOUNTS BE VERIFIED WITH ORIGINAL DOCUMENTATION of delivery made into my hands and all application contract signatures. XXXX EQUIFAX DATA BREACH OF XXXX NOT EXPOSED UNTIL XXXX PROBABLY CAUSED THESE BANK FRAUDS. PER EQIFAX BREACH SITE MY DATA IS ON DARK WEB FOR FUTURE FRAUD ALSO & EQUIFAX HAS NOT PROVIDED ANY RELIEF OR RESTITUTION. MILLIONS AMERICANS WERE EXPOSED. WHY IS EQUIFAX ALLOWED TO HARM SO MANY WITHOUT ANY REPERCUSSION OR RESOLVE? American CONSUMERS & BANKS LOSS BY EQUIFAX IS NOT RESOLVED ( 3 ) THREE YEARS LATER. WHY ARE THEY ABOVE THE LAW? I AM XXXX ON XXXX XXXX AT HOME AMERICAN TAXPAYING CITIZEN OF XXXX YRS LOSS OVER {$8000.00} TARGETED BY PROFILE NO PROTECTION. & NOW VIRUS??
Product: Credit card

I have a Target credit card that I got behind on this year due to a layoff. In early XXXX 2015, I received a voicemail from their attorney XXXX XXXX XXXX. I called back and spoke with a rep who advised me of a payment plan I could sign up for. It called for payments of {$66.00} a month with the first payment due later that month. I advised I would like to sign up but told him I 'd have to call back because I did n't know the exact date I wanted to make the payment or which bank account I wanted to use. I did not advise of any bank account during the call or authorize any payments to be set up. He said ok and I advised I would call back. Money situation remained tight and I knew I could n't make a payment that month so I wanted to see how my situation was in a few weeks and did n't call back. I checked my XXXX XXXX XXXX account yesterday and noticed a {$66.00} payment had been processed and was returned by the bank because my account was already in the negative. I was charged a {$35.00} nsf charge for that payment. I do n't understand how Target and/or XXXX XXXX XXXX could take a payment from my account without any authorization from me. This just makes my bad financial situation even worse. I absolutely did not authorize any amount of payment to be automatically taken from my account. The check image in my checking account shows a {$66.00} payment drafted with Target 's name on it. I absolutely did not schedule any payment on Target 's website and with the payment being exactly {$66.00} I would assume the rep from the attorney 's office told Target that I would make the payment and they decided which bank account to use. I am very upset with both companies for trying to take a payment and I do not authorize them just setting up any more on their own. I want to make some sort of payment arrangements but at this point have a hard time dealing with the attorney. Being attorneys they should know what they have done is unlawful and needs to stop. If there is some way of looking up the recording of me speaking with the rep from the attorney 's office it will prove I did not authorize any payment and was never given the option to advise exactly when I wanted to make the payment, which bank account I wanted to use and I surely was not given any sort of confirmation number. Thank you.
Product: Credit reporting or other personal consumer reports

In XXXX I contacted this company and the representative in my state of Massachusetts, they told me that this account was closed and that they did not have this account in their records, I have called them and they say that the account does not appear. I am looking in my report that since XX/XX/XXXX they have not updated the information in my credit report and this account appears as an open account and this account was closed. It says that it has 2 late payments, but they have not updated the status since XX/XX/XXXX, which is false and affects my credit reputation. Since if what they say is true, there must have been more than 30 late payments. This account has false and inaccurate information because it also has an amount that does not correspond to it and the other Bureaus have only two late payments!! XXXX XXXX XXXX XXXX Highest balance {$1700.00} This account does not even have the balance with which it was opened, it has a lot of incorrect information.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I sent a wire transfer of {$33000.00} to Capital One National Association Account # XXXX, Routing # XXXX. Transaction reference # XXXX. Recipient is a business that is unable to deliver the merchandise that the payment was for and is unwilling to refund the money. Finally, on XX/XX/XXXX, I tried to work with Capital One National Association to track down the funds and rectify the situation. However, Capital One representative verified that the funds could be recalled but only if I was Capital One banking customer myself. I do have a Capital One credit card, but that's the extent of my current banking relationship with Capital One. I do not think this policy makes any sense and would appreciate Capital One 's cooperation in trying to recover these funds.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Equifax is reporting Information that belongs to someone else. I notified on several occasions to ensure they have the most accurate information in my credit file at all times. Equifax was asked to delete the following inaccurate information from my credit file within the following 30 days. I know that they have up to thirty days to meet my requirements. I did not receive any updates from Equifax during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that Equifax incorrectly reported and should be deleted immediately. 


XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX FL XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX XXXX asked Equifax on four occasions to validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

I advised that they have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611.

Equifax did not complete an investigation, nor had communications of results or said investigations. 

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

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion.XXXX XXXXXXXX Balance : {$2900.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Citizens one auto finance sent a letter to me stating erroneous reasons for denying a loan I was attempting to co-sign for my granddaughter. My credit score is in the 800 level yet they claim I was denied the loan due to delinquent credit history, limited or no credit file and collection, charge off, judgment, foreclosure or repossession. Absolutely none of these apply to my credit file. They go on to cite time since most recent opening is too short, proportion to loan balances to loan amount is too high, too many accounts with balances and length of time accounts have been established. I could not care less that they did not approve the co-signing of the loan however I do not feel they should be not be allowed to cite reasons that do not apply to my credit file. I would not have an 800+ credit score if any of these were accurate.
Product: Credit reporting or other personal consumer reports

these accounts in the attachments that i am disputing do not belong to me. they are caused by identity theft/fraud. you all are breaking the law per 15 usc 1681b. I did not authorize you all to furnish any information let alone WRONG INFORMATION AT THAT!
Product: Debt collection

Complaint With Intent To Sue Dear Agency On the day of XX/XX/XXXX I mailed a notice letter to State Employees CU concerning the credit terms of the contract I was not fully aware of. I have not yet received a response. On XXXX XXXX I sent State Employees CU a second notice in response to the first letter I sent them. I still haven't received a response. Also on the day of XXXX XXXX I went into the XXXX XXXX XXXX dealership and spoke with the Finance Manager XXXX XXXX about getting a copy of my contract. He stated that my truck was financed in XXXX and they will have to find my physical documents because they have a new system in place that requires all documents now to be signed via online e-signature. He stated that he will email my documents once he finds them. I waited fifteen days then followed up with XXXX. I called his office phone and asked him a second time to please send the contract documents to me. He stated that he would send it over to me and never did. Between XXXX XXXX and XX/XX/XXXX I called XXXX XXXX several times and finally spoke with the receptionist. I asked her to transfer me to XXXX XXXX ' desk .She said that hes on another call. I gave her my name and number and asked her to tell him to call me back. I still haven't gotten a response.I sent a notice by mail to XXXX XXXX XXXX on XXXX XXXX. I've reached out to both companies and still have not been able to get this issue resolved. 

After looking over my contract, it's incomplete and not giving proper disclosure which makes this contract null and void. These are the following facts : 1.There is no signature of State Employees CU anywhere in the contract. 

2. The contract only has my signature.

3.The finance charge of {$5200.00} is all that I was supposed to pay. I am being charged the full amount that's financed. 

4.In The Truth In Lending Disclosure, the SECURITY section where the box is marked X beside the account No., it does not show an account as to where the loan came from. 

5. The book and ledger was neither disclosed to me or presented in the contract. 

6. The agreement was not disclosed to me about when the promissory note aged. 


Who was supposed to sign the contract? 

Why does the contact only have my signature? 

Why am I being charged the full amount that's financed? 

What account did the loan come from? 

Where is the ledger? 

When did the promissory note age? 

Where in your disclosure agreement that I as a consumer have the right to rescind? 


I have evidence to believe that you committed fraud and violated my rights as a consumer. This is unfair business practice. At this point I am notifying you that I am rescinding this transaction. 
Here is what I need from you : I want you to give me the original title to my truck free and clear. 

I want you to give me all monies claimed plus double the finance charge. 

All my past due payments. 
I want you to delete it off my credit report or have it shown as paid in full. 

If we have to take this to court I will ask for 1 % of your company. Send me the {$77000.00} or I take it to court and get it every month from you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. 

This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 


Please remove the fraud account ASAP!
Product: Credit reporting or other personal consumer reports

These late payments are inaccurate and I've tried to get them removed various times throughout the years with no resolution from XXXX XXXX XXXX. The late payments are : XX/XX/2022 - XX/XX/2022 ( 30-60 day late payments ) Per USC CODE 1666B " A creditor may not treat a payment on a loan account under an open end consumer 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 21 days before the payment due date. '' I did not receive any statements, rather mail or digital mail / email within 21 days of my statement.

These late payments should removed or updated as current / positive status on my credit report.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX Employer - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXXXXXX XXXX XXXXXXXX - 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 Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Public Records that are being challenged XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!