23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I received an American Express gift card as a bonus and it can not be used at any online retailer that I shop at. The bank doesn't recognize the card and my name so it's always declined. The card is active and the purchases are always well below the amount of the card, which is {$500.00}. Essentially the card is useless as it can not be used anywhere I shop online.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 XXXX PARTIAL ACCT # XXXX XXXX XXXX XXXX PARTIAL ACCT # XXXX XXXX XXXX XXXX PARTIAL ACCT # XXXX XXXX  XXXX XXXX PARTIAL ACCT # XXXX DEPT OF EDUCATION/XXXX PARTIAL ACCT # XXXX XXXX XXXXXXXX PARTIAL ACCT # XXXX XXXX XXXX PARTIAL ACCT # XXXXXXXX XXXX XXXX XXXX  ACCT # XXXX XXXX PARTIAL ACCT # XXXX XXXX XXXX PARTIAL ACCT # XXXX
Product: Credit reporting or other personal consumer reports

It's been unauthored information reported on my credit report I reach out to the companies and credit bureaus that failed to verify the information by providing documents requested of my signed name on the documentation that authored my social security number to be used they also failed to remove the information. Please see the attached documentation that was also sent to the creditor and credit bureau that they failed to response. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. Please See Attached Documentation 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 ) 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
1. Names : The names 1, Incorrect Name XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 2, My correct name is as mentioned above 2. Addresses : The addresses 1, Incorrect Address XXXX XXXX XXXXXXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXXXXXX XXXX XXXX XXXX, SC XXXX My correct address is as mentioned above. 
3. Phone Numbers : 1, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX 2, My correct phone number is ( XXXX ) XXXX XXXX. Employers : The employers 1, Incorrect Employer XXXX XXXX XXXX listed in my report are incorrect. 
5. Incorrect Account : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, AL XXXX Account # XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

ASG XXXX ( XXXX ) XXXX said they will continue to call until I start paying on student loan. Except my loan is in forebearance
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

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 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 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
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately I had one late payments on an account that I always paid on time. Upon conversation with customer service. They could not provide me with any substantial reason for that report. This customer agency needs to report with complete accuracy. I am requesting you investigate and provide variable proof with records showing that I had a late payment If this information can not be provided I demand this these late payments updated to be paid on time immediately. 

Thank you for your understanding and prompt action. 

Attached is a copy of my report ( XX/XX/year> )
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is past 7 years old, and needs to be removed from reports. This inaccurate information has messed up my credit for long enough.
Product: Credit card or prepaid card

Target called to confirm that I was trying to get a card. I have not applied for one. Some of the information given to me was incorrect. She cancelled the application and advised to report this incident to this website.
Product: Vehicle loan or lease

In XXXX I received a loan via capital one bank through a used car dealership in XXXX XXXX, XXXX, NY. The vehicle was fraudulently sold to me as it was flood vehicle. The vehicle also fell under the XXXX recall between XXXX. Capital one was aware of these activities and their offices reached out to me to investigate the sale of the vehicle. A representative insisted that she would follow up with me and never did. The car was not able to be used, I could not make the payments and ultimately it was repossessed. But because it was a flood vehicle and under a recall my presumption is that it was eventually demolished. The remaining balance of {$12000.00} has stayed in my credit report and no one from capital one followed up with me. I did reach out to the credit bureaus who have adjusted the deletion date of the auto loan to me XX/XX/XXXX at the earliest, but it is still hurting my credit and hindering my family from moving forward in other important endeavors.
Product: Debt collection

I have checked with my state Attorney General and confirmed that the statute of limitations on this type of debt has expired. I am also disputing the validity of the debt therefore you are prohibited from reporting this on my credit report. Per the letter sent by collection agency sent previously the date of expiration should have been XX/XX/2019.
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 XXXX XXXXXXXX, 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 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

My scores are whacked from all 3 bureau 's, photo included I have a higher score than what's shown These people are uneducated and are messing with people. How can I go from XXXX to XXXX in 1 day?,,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XX/XX/XXXXData breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned 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
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was charged {$630.00} on XXXX XXXX, 2019 from XXXX XXXX hotel. There coffee maker was left on and spewed water which burned me. The thermostat did not work after numerous times turning it on, and the curtains did not open. Within an hour and a half, I went to the front desk to request a refund and proceeded to make other arrangements. I submitted numerous documentation that I did not stay and proof that I attempted to contact the hotel ( emails, phone records, receipts, billing statements, etc ). I have several medical conditions from doctors that I needed a restful night of sleep. The hotel proceeded not to refund my card. I even planned a second trip and requested an invoice. The invoice shows no address and a blatant lie that I check out the following day at XXXX. I also submitted a screenshot and the url from the hotels guarantee that if I am not satisfied, I would get my money back. The hotel manager, XXXX XXXX wrote back to my bank insulting my mental condition because of all the documentation I provided ... As a valued merchant, I would hope that XXXX would be able to see this woman is not of sound mind. The hotel should not be penalized for this womans manifestations. In fact, due to the number of documents ( 153 pages ), she assessed I was clearly out of my mind. 

Citibank submitted all of my documentation to Visa via arbitration in which I believe Visa did not review. Citibank said pre-arbitration was declined. I am filing a complaint that Visa violated my medical status and sided with a business who knew of my medical condition and still continued to keep {$630.00}. I believe Visa denied my rights to a fair arbitration. 

I also requested that Citibank appeal this decision which they refuse to. The 2 people that were helping me were moved to other departments, and the new managers will not file an appeal. We need to be able to appeal a decision if the reviewer and merchant did not review any documents. In the hotel managers response, she admitted that she would not review any of the 153 pages.
Product: Credit reporting or other personal consumer reports

Hyundai Motor Finance # XXXX reports impossible " OKCharge OffOK '' status sequence ( XXXX XXXX violation ). Account was PAID IN FULL via insurance ( Check # XXXX, XX/XX/year> ) after total loss accident. Hyundai incorrectly coded as " Charge Off '' instead of " Paid/Closed. '' XXXX retain this error despite 3 disputes. Result : XXXX  XXXX  denial ( # XXXX ) due to false derogatory mark. Hyundai violated FCRA 623 ( a ) ( 8 ) by failing to conduct reasonable reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the incorrect items on my credit report. It's been well over 30 days and I Haven't received any investigation results.
Product: Mortgage

We obtained a mortgage with XXXX in 2023. My husband is a 100 % XXXX retired XXXX and we applied for floridas homestead exemption in XXXX for the XXXX year. We were initially told that our mortgage amount would decrease XX/XX/XXXX. When it did not, we began working with agents from XXXX to understand why. On several calls between XXXX and XXXX, we received different answers with no resolution. A XXXX employee then suggested that we do a mortgage reconsideration to pull our tax exemption information and this lower our payments. He did this and our mortgage went XXXX by XXXX per mi th. We then began to call again to understand why the mortgage would go up when we had no taxes. We finally reached XXXX in the escalation department who stated that the XXXX staff should never have submitted a reconsideration. He then made a plan with us that allowed us to continue to pay our regular mortgage account until XXXX when the new tax bill would come out. In XXXX we called again and spoke to numerous reps who all stated they could not see any notes regarding this agreement. During that time we also had to fight each month to pay what was agreed and kept being told we were shorting the company. Finally we contacted the tax office who stated that they had already sent the tax exemption several times to XXXX. We began to call XXXX again and encountered the same issue. No notes, no idea what we were talking about. We went back to the escalation department to talk to XXXX who out in a work order to pull the tax information. Now, in XXXX we called XXXX back to check and she states that not only would our mortgage not go down but we have a shortfall. This company has engaged in deceptive financial practices to take advantage of a XXXX veteren. At this point t we have no recourse with the company. Their story changes each phone call and they insist that we owe what we owe. XXXX every turn we were reassured that it was an error that would be corrected and at each turn, no one at XXXX communicated ( at best ) and at worst, this is a scheme that many other vulnerable people have fallen for.
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 15 USC 1681 XXXX XXXX XXXX Bank account # XXXX has violated my rights. 

XXXX XXXXXXXX XXXXXXXX account # XXXX has violated my rights. 

XXXX XXXX account # XXXX has violeted my rights. 

XXXX XXXX XXXX XXXX account # XXXX has violeted my rights. 

15 U.S.C 1681 Section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 602 A section 2 : also states a consumer reporting agency connot furnish an account without my written instruction.

15 U.S.C 1681c. ( a ) 5 section states : no consumer reporting agency may make any report containing any of the following items of information, other than records of convinctions of crime which antedates the reort by more than seven years.

5 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agengy if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Debt collection

I received 3 letters from XXXX  Credit monitoring membership dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. First letter dated XX/XX/XXXX states that on this same date XX/XX/XXXX the following changes appeared in my credit file : Major Derogatory from Creditor XXXX XXXX in the amount XXXX ( new medical collection ). Soon after receiving this information I submitted Dispute Letters to ( XXXX Equifax, & XXXX ) with the above derogatory account information on it that was given to me from XXXX. I received a response from XXXX dated XX/XX/XXXX ( less then 10 days of me quickly responding to this report ) stating RE : Unable to Locate Credit Report dispute Request. I submitted another Dispute Letter only to receive a XXXX response dated XX/XX/XXXX RE : Dispute Status ... .Based on the information provided to XXXX , our records show that the information you disputed does not currently appear on your XXXX credit report. The certified letters that I submitted to the credit bureaus were sent expediently and most importantly I am using the same data that can be found on my current status credit report and the information that I received from XXXX  credit monitoring. I clearly monitor my credit report very closely and I went from XXXX to XXXX ... 33points dropped and now Equifax dropped another 7 points! I work very hard to get where I am at. So how can I have a 33 and now 40 points dropped for the ( only ) negative thing on my credit report in which XXXX  and Equifax now say does not exist or can not be found? When it is on my credit reports. All 3 of the bureaus has the same information I am rightfully disputing and all 3 credit bureaus : XXXX, Equifax and XXXX each received a letter from me disputing this account and asking for validation.
Product: Debt collection

XXXX SYNCHRONY BANK XXXX XX/XX/2021 {$440.00} XXXX SYNCH-XXXX**** XX/XX/2021 {$440.00}
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft, and my personal information was used without my consent, leading to items appearing on my credit report that I was never involved with. Following instructions from TransUnion, I filed a report with the FTC and submitted it, yet these fraudulent items still remain on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many mistake in my report, I have never paid late these accounts :  XXXX   XXXX    XXXX     XXXX  Account #  XXXX    XXXX   XXXX   XXXX   XXXX   Account #  XXXX    XXXX   XXXX   Account #  XXXX   XXXX   XXXX  Account #  XXXX   XXXX   XXXX  Account #  XXXX    XXXX   Account #  XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX 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 60 days 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 21 days before the payment due date. 


XXXX XXXX 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 21 days 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the account in my Credit Report : XXXX CT XXXX