23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is in reference to XXXX XXXX. This account still reports inaccurately on my credit report. I received your investigation result through the mail. I noticed it's completely changed from before and there were dates added from XX/XX/XXXX through XX/XX/XXXX. My account was open, paid and current. The supposed delinquency began in XX/XX/XXXX. I understand errors being made, a lot of jobs have staffing issues, with all the fraud and technical issues going on, natural disasters, etc. I totally get it, but this issue needs to be fixed by the responsible parties on merit alone, let alone FCRA rules and regulations. 

In the midst of the challenging XXXX pandemic, I found myself on XXXX, undergoing dialysis, and facing reduced household income. I reached out to XXXX, seeking a hardship plan for my credit card. They offered a solution : close the account and repay the balance in monthly installments. As long as I made timely payments, my credit wouldn't suffer, though a late fee would apply for any missed due dates. I missed XXXX due date in XXXX leading to a {$75.00} fee but I paid it in XXXX weeks, avoiding a 30 day lateness. It was due on XX/XX/XXXX, I made the payment on XX/XX/XXXX. I made XXXX payments on this date, I will clarify later in this dispute. 

Despite diligently adhering to the agreement and making every payment, my credit report told a different story. It falsely indicated missed payments, leading to late fees and a damaging charge-off status. Unaware of this discrepancy until XX/XX/XXXX, I was shocked and dismayed. In a state of panic, I repaid the debt in full, fearing further repercussions. 

Upon closer examination of my credit report, the inaccuracies were glaring. 
My monthly due date was the XXXX. I paid {$35.00} in XX/XX/XXXX. In XXXX I paid {$25.00} after the due date causing a {$75.00} late fee. I paid it on XX/XX/XXXX, XXXX weeks later avoiding a 30 day lateness. On that same date I paid another {$25.00} for XXXX upcoming payment. In XXXX I paid {$50.00}. In XXXX I paid {$65.00}. In XXXX I paid {$72.00}. Finally in XXXX I paid {$53.00}, the final and last payment. I paid {$320.00} in total on the {$250.00} balance + {$75.00} late fee, satisfying this debt. 

I have meticulously documented every payment, with bank statements serving as irrefutable proof. Yet, XXXX 's reporting remains erroneous, casting a shadow over my financial well-being. This ordeal has led to unjustified credit denials, higher interest rates on approved loans, and immense stress for my family. 

I've reached out to XXXX repeatedly, hoping they would rectify this mistake. However, they have failed to take accountability, leaving me to bear the burden of their error. This situation is not only unjust but also a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

I urge you to carefully review the attached evidence and correct this grave injustice. Removing the inaccurate XXXX account from my credit report is not only the right thing to do but also a necessary step in restoring my financial standing and peace of mind. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I was scammed via a fraudulent job posting on and was asked to wire {$1900.00} in funds using XXXX XXXX to a number. XXXX XXXX uses XXXX  as their bank. The funds and number was used The XXXX XXXX account was linked to my debit card at Wells Fargo. I also contacted XXXX and they were not willing to do anything. 

Initially I reported the incident to my local Police Department to file a police report. I had contacted both Wells Fargo and XXXX XXXX about the incident and they had mentioned there is nothing they can do because it was a Peer to Peer transaction. I also contacted my U.S. representative and there is nothing they could do. 

After the additional CFPB guidance was released in XX/XX/2021 about XXXX platform transactions and after finding out about it today, I reached back out to Wells Fargo and XXXX. Both institutions are pointing to each other saying neither are liable. XXXXXXXX XXXX said since its linked to my Wells Fargo debit card they are not liable. Wells Fargo said that XXXX XXXX is liable since the transaction came from XXXX As a consumer, I am stunned by this lack of inaction. I went and applied for a posting on XXXX to provide for my family, with XXXX little girls, after just being laid off..
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2012 I received notification of a late payment for a payday loan that was opened online. However, this account was opened fraudently and I called the company to explain. I even faxed them a copy of the police report during this time. It is still listed on my report and Ive continued to dispute this through the company and all 3 credit bureaus but it still remains on my credit report. I recently sent a validation letter to them so that they can validate this information but it has been 30 days and still no response from the company.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX years. 

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

I seen these errors in XXXX of XXXX haven't spiked for new credit with companies. None from XXXX
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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : 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 or other personal consumer reports

this is incorrect and I am not waiting until XXXX decides to report to the bureaus, I need it updated now... 

XXXX XXXX Credit usage XXXX XXXX Balance {$2900.00} Balance updated XX/XX/year> Credit limit {$3000.00} It's normal for the credit card balance you see on your credit report to be different than the XXXX on your credit card statement. Since credit card companies typically only report your balance to credit bureaus once a month, recent payments and purchases XXXX not show up until your credit report refreshes. 

Account info Account number XXXX Open/closed Open Date opened XX/XX/year> Account type Credit Card Payment summary 2024 XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX - PXXXX XXXX XXXX Status
Product: Checking or savings account

On or about XXXX XX/XX/2021, XXXX XXXX servicemember 's USAA account was hacked to the point where the servicemember lost access to the account, e-mail, XXXX, and XXXX. Upon noticing that the primary checking account of the servicemember was being drained of cash as fraudulent checks were being deposited, he contacted USAA on XXXX XX/XX/2021 in an effort to re-gain access to his checking account. USAA failed to open a dispute on the date of the notification and told the servicemember that he was liable for the fraudulent activity. On XXXX XX/XX/2021, servicemember contacted USAA with representative from DOD requesting that a dispute be initiated for the fraudulent activity as USAA had failed the servicemember when he initially contacted USAA to notify them of the comprised accounts. XXXX transferred the call to XXXX from resolutions who advised the servicemember that he specifically authorized theft on his accounts to the point where he is unable to pay rent and feed his three year old son. This is a disgrace to USAA and utter disrespect to our military and the people who serve overseas. This needs to be investigated in order for additional servicemembers to not be victimized in this manner.
Product: Checking or savings account

I filed a claim with Citizen 's bank regarding a merchant overcharging me by over $ 100.oo on my credit card. I explained to Citizen 's back in XX/XX/XXXX that while on a cruise, the cruise ship overbilled my account as well as allowed my XXXX sister to make purchases to my stateroom without my permission, knowledge, or authorization. They did this without my card present either at the XXXX XXXX XXXX. I did NOT authorize my XXXX  sister to use my account and the cruiseline has a duty and responsibility to verify any and ALL charges before charging something to someone 's room without their permission or knowledge. They also allowed her to charge to my other sister 's account. There were other unknown charges on my account as well. When I spoke with someone from guest services at the Cruiseline, they told me they could not help me and to dispute the charges. I spoke with Citizen 's and explained the situation. Recently, I received a letter from Citizen 's stating they verified the purchases and enclosed a computer generic receipt without a signature, no sales receipts attached, no copy of my license, or any other documentation stating I was aware of these additional charges or made them. I spoke with a woman from the claims department who told me I was a liar and that the cruiseline would n't have allowed my sister to make purchases without my card or my id, however, they did. She also refused to let me speak with a manager, would n't tell me her name and would n't verify whether or not she was a third-party or internal claims department with Citizen 's. Citizen 's is now threatening to deduct the full balance from my account without completing a thorough investigation to ensure these charges are mine according to XXXX rules and regulations.
Product: Debt collection

XX/XX/2018 my tenant called XXXX XXXX  XXXX XXXX of XXXX XXXX, CA to fix a part in a range. I was given the parts and labor cost over the phone and authorized the work. Work was performed on XXXX. I then received a bill with an additional 'service call ' fee of {$110.00}. I did not authorize this fee. I called payment in for invoice # XXXX for the parts and labor, XXXX XXXX XXXX  advised they have a fee for the service call. I advised that I did not authorize that fee but that I did authorize work and parts and paid for those services in full. They called a few times to collect this service call fee later. Each time I described that I never authorized that " call fee '' and they stated that this was their policy and that the fee still stands. I never knew about this fee before the work and therefore will not pay. It's unlawful to ask me to pay for something I did not authorize. If they had a service call fee, I would have found another company to take care of the repair. Now, I am having major credit issues because they feel they can charge fees without authorization. It's a horrible way for them to do business and they should be penalized for the way they handle their practices and not inform their consumers before work is done. Instead, I have credit issues over their negligence and a life-time of good credit has been tarnished.
Product: Debt collection

XXXX XXXX is the name, they call at all times of the day before legal operating hours, before XXXX, late at night. Its completely harassment for almost there years now. Ive disputed this debt with them. My next step is to file a complaint with the XXXX. This needs to be taken care of immediately. Its illegal what they are doing. Stay away from XXXX XXXX and there harassment tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2013 with a balance of {$0.00} -This is not my account.
Product: Debt collection

On XX/XX/2018 there was a account opened in my name that i never had any knowledge of.I never authorized this account and i want it deleted off of my account in the amount of {$600.00}.
Product: Checking or savings account

I opened a checking and savings account with Cit Bank around end of XX/XX/XXXX/XX/XX/2018. They had a promotion at that time - deposit {$15000.00} and get {$500.00} bonus in 6 months. I have fulfilled all the requirements and deposited {$15000.00} on XX/XX/2018 as well as set up direct deposit ( first direct deposit made on XX/XX/2018 ). After a month I have called to make sure I'm qualified for the bonus and met all the requirements. Citibank representative verified over the phone that all is good. I have also received an email stating that " I have earned my cash reward '' and it will be deposited to my account within 30 days. Last weekI logged in to my account I noticed that my Savings account was closed. I havent initiate that so I called the bank to check why. I was told it was closed due to inactivity. I have also asked when my bonus will be posted and the representative said that I'm not qualified for the promotion any more since my savings account is closed. It wasnt communicated to me that both savings and checking account need to be open for the bonus to be posted. No one acknowledged me of closing my savings account either. So I filed a dispute and the answer came back saying that my " Checking account was closed on XX/XX/2018 '', therefore I'm not eligible for the promotion. That is simply incorrect. My checking account still open. Seems like Citibank just trying to find an excuse not to pay the bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) mandate that the XXXX credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

My bankruptcy is not discharged as of yet. XXXX XXXX XXXX was notified thru bankruptcy processes and last reported to my credit report XX/XX/XXXX. XXXX XXXX XXXX denies being notified and one representative hung up on me. You've paid off -17 % of your collection amount. 

Balance {$5200.00} Highest Balance {$4400.00} Opened XX/XX/XXXX ( 1 yr, 11 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : ( XXXX XXXX XXXX XXXXXXXX ), ( XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX I 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 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 or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX Block Request Dear Sir or Madam I am a victim of XXXX. The information listed below which appears on my credit report is the resort of that XXXX  XXXX XXXX XXXX Account Number XXXX please remove it from my credit report XXXX XXXX  Date of inquiry : XX/XX/year> please remove it from my credit report XXXX XXXX Date of inquiry : XX/XX/year> please remove it from my credit report XXXX XXXX XXXX  Date of inquiry : XX/XX/year> please remove it from my credit report XXXX  Date of inquiry : XX/XX/year> please remove it from my credit report XXXX XXXX XXXX Date of inquiry : XX/XX/year> please remove it from my credit report XXXX  XXXX  XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report XXXX  Date of inquiry : XX/XX/year> please remove it from my credit report XXXX  Date of inquiry : XX/XX/year> please remove it from my credit report Please block this information from my credit report within four business days, pursuant to section 605 C of the Fair Credit Reporting Act.

Please send me notification of the action taken, i appreciate your prompt attention to this matter Sincerely, XXXX XXXX
Product: Debt collection

I have no idea who this is or what this debt I'd for.
Product: Prepaid card

I have contact giftcards.com com weekly for the last 6 weeks re : requesting a new card as current card expired after one year. Upon requesting they say their contract says they are only good for one year ; however, the federal law protects all VISA gift cards for 5 years. They say they send out a contract ; however, this was never received. They say they are issuing a new card ; however, we never receive. 

Case number with Giftcard.com after multiple contacts : XXXX XXXX XXXX  XXXX In contacted the bank XXXX  that issues them the cards and also filed a complaint with FDIC.
Product: Debt collection

.    One  day  XXXX   XXXX  came to my house and referred a company that will install a water heater solar panel in my roof. He then let us signed a contract for the installation. However, when the installers came, we changed our mind and did not let the installers proceed. In others words, we cancelled the job.  One month later GreenSky started sending me the bill. So I just ignored it because since we cancelled the installation I do n't owe any money. This company just persistently sending me the bill with interest. One day I wrote a letter on the statement stating that the item was not done because I cancelled the installation. The following month GreenSky  sent a bill with interest totalling {$10000.00}. So I called again telling them that I just sent them a formal letter dated  XXXX   XXXX ,   XXXX   telling them that the job was not done. So I called again and  one of the rep.  that I talked to by the initial of  XXXX . on  XXXX  said that they never received any letter. My big issue now is that this company even reported this to the credit bureau and ruined my credit already. I want them to removed this issue on my credit so that I will have a good credit again. Thank you very much for your kind assistance regarding this issue.
Product: Debt collection

I was first notified by phone on XX/XX/XXXX when Consumer Collection Management refused to give me any detail concerning the debt they were calling about. An attorney I spoke with said that as the creditor had turned this to a collector they would likely refer me to the collector. Since I could not get information from the collector I tried to call the creditor several times the following week and there was no answer no recording. I did not even know the amount being claimed until XX/XX/XXXX when it showed on my credit report. 
On advice I filed a dispute with all three credit bureaus written the next day and mailed return receipt the following day. I have since received all three of the receipts. As I understood that collections would not continue to contact me during the dispute process I didnt take further action while waiting for the companys response to the dispute. 
On XX/XX/XXXX I received a call that disconnected within seconds of my answer so I dialed the number back. When I realized it was Consumer Collection Management I turned on my recorder. I told her I had been disconnected and she informed me my file had been noted that I refused to cooperate and so the collector disconnected the call. I told her that there wasnt enough time for that to have transpired as the call was a few seconds in duration. I then stated my understanding that they should not be contacting me while this account was in dispute. She told me who they worked for and that the collections would continue regardless. She stated that they had been sending notices about this to an address on XXXX XXXX at which I have never lived. I told her this again as I had told them on previous occasions when they called and on their call of XX/XX/XXXX when they asked to verify my address. They knowingly continue sending notices to a place I have never lived and they keep telling me that will note my file that I refuse to cooperate. When I try to clarify they tell me they can not discuss the debt and hang up.