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

Discover sided with a merchant on dispute that clearly had no legs. Initially, I had an autoship with XXXX which was routed to a different card for over six months so this charge no longer appeared on Discover for over six months. Then I reached out to XXXX to cancel that autoship in writing. Instead of cancelling they submitted my initial customer agreement to Discover and started charging me again. I immediately disputed the charge, but Discover in their infinite wisdom decided it was valid even though no product was received by me. The amount in dispute is {$54.00} which I would like to see returned to me ASAP.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts were disputed on XX/XX/year>. The Notice of dispute was required to be entered by XX/XX/year>. These accounts were verified accurate but a notice of dispute was never entered which is a violation of FCRA 623 ( A ) ( 3 ) duty to provide notice of dispute. 

XX/XX/year> these accounts were disputed again for payment activity on closed accounts. There should be XXXX payment history on closed accounts. 

XX/XX/year> these accounts were disputed again for date last active dates being different on each bureau. Docs for proof will be attached Dates the accounts were updated are XX/XX/year> XX/XX/year> XX/XX/scrub> XXXX XXXX
Product: Debt collection

I was contacted by XXXX XXXX XXXX XXXX XXXX XXXX and was told I owed {$180.00} for medical supplies they claimed they sent a year earlier ( XX/XX/XXXX ) I rsponded right away as I thought this was some sort of scam because a bill was sent a year later. The first call I made I was put on hold and then hung up on so I called back. I was then placed on hold for XXXX minutes ( I timed it ) and when the billing represenitive came back I asked where I am calling. I was told the XXXX. I was then told they would look into problem and would contact me if any issue were to arise.Never heard back from that person. I found a number to contact XXXX XXXX and spoke with a person named XXXX and then a female named XXXX who were in XXXX XXXX. After telling XXXX I never received anything from XXXX I was advised that supplies were sent and I again advised I never received. About a week later I got a call from someone in XXXX XXXX claiming I was responsible for payment and I said I will not pay for something I do not have. After trying numerous times trying to resolve this issue I gave up. I then was threatened with a letter saying to pay or they would either have me deal with a lawyer or collections agency, I decided to file a complaint with the XXXX. The XXXX forwarded my complaint to them and they never responded back. As of today XX/XX/XXXX I now have received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wisconsin XXXX ( a collection agency stating I owe this money to XXXX XXXX and again I stress I have NOTHING from them and dont understand why a year later they are contacting me for this. Any help would be greatky appreciated and thank you in advance!
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dismay at the flagrant violation of credit reporting laws evident in the persistence of fraudulent accounts on my credit report. Despite assurances from reputable companies and the validation of an identity theft report, these erroneous entries remain unaddressed. 

Your failure to rectify these accounts, despite clear evidence of their fraudulent nature, represents a blatant disregard for the laws governing accurate reporting. It is apparent that the bureau is neglecting its duty to adequately investigate and rectify inaccuracies. 

Furthermore, other credit bureaus have already taken corrective action by removing these accounts from their records following the submission of an FTC report and thorough investigation. 

The following accounts require immediate action : XXXX  XXXX XXXX and XXXX  XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Repporting Act XXXX  account XXXX XXXX XXXX  acct # XXXX, XXXX XXXX XXXX 60 day 2 30 day laypayments, XXXX XXXX 6 30 day late payments, XXXX acct # XXXX, XXXX XXXXXXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX 120 day late payments 1 90 day 1 60 day 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency has been known to mix up credit information between individuals with similar names and social security numbers.
Product: Credit card or prepaid card

On XX/XX/2022 I cancelled my " 7 day '' free trial with XXXX. I did so by calling their customer service line, and all was good in the world. A few days later, I see a {$100.00} charge from XXXX XXXX  XX/XX/2022 charge ) on my Goldman Sachs " Apple Card '. No worries, I am protected here as a consumer. I file a dispute, and soon after, the findings rule I was in the wrong, per Goldman Sachs. Their backup is frivolous. It shows a trial period ending in XX/XX/2022! My seven day trial was not back in XXXX, they also failed to show me my signed contract with them ( does not exist ), heard they said there was one, which is a lie. Also, their back-up proves my story, that I used their service just once, and right when I said I cancelled you see my data usage drop off. XXXX 's backup proved it. Yet Goldman Sachs ruled against me. 

I told all of this to Goldman Sachs, and each time, same song and dance, I dispute the charge, and XXXX gives the EXACT same backup, and I expand and expand.. providing more backup as to why this charge is frivolous and baseless, and requesting documents from XXXX ( through Goldman Sachs ) and nothing ever comes of it, and I keep getting my dispute denied for the same reasons. " Justified charge '' ... without an explanation, which is wrong. My rights as a consumer for fair charges has been broken, and for proper justice & detailed explanation as to why my dispute is denied, also is not occurring.
Product: Debt collection

During the pandemic lockdown Midland Credit Management stated they served me a notice to appear at XXXX XXXXXXXX XXXX  in XXXX, Ca. They stated the court date was XX/XX/year>. I never received any documentation regarding a XX/XX/year> court date. As this was during the pandemic and I XXXX XXXX XXXX to XXXXXXXX XXXX  I would have made appropriate arrangements to be at the hearing. Recently, my computer was hacked and I am a victim of Identity theft, we came across the XXXX site. The site showed documentation where Midland went into court and obtained a judgement against me. I was robbed of the opportunity to appear, and a default judgement was obtained by Midland. Midland continued to report this as an unpaid debt, not a judgement leading me to believe there was never a court hearing. Because I found out this data over 3 years later, the debt has nearly doubled to slightly {$6000.00}. The judgement including court costs was only {$3900.00} as per the Midland representative on XX/XX/XXXX, XXXX deceptive practices by a collector. So they reported the debt 2 times. Once as public record, and the other as an outstanding debt in collections. This practice has dropped my credit score by XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person.
Product: Mortgage

I filed for bankruptcy XXXX XXXX and it was resolved XXXX XXXX. After the bankruptcy my mortgage from XXXX was given to Seterus XXXX XXXX where I received monthly mortgage bills until XXXX XXXX to which I paid. According to Seterus I stopped receiving mortgage bills because of the bankruptcy. Seterus strongly encouraged me to refinance. I was not approved for a refinance. Between XXXX - XXXX my salary dropped significantly and I fell behind on a payment to which I made up three months later. XXXX XXXX I separated from my job because of medical difficulties. I immediately notified Seterus. They notified me that a modification would work in my situation if I were behind in payments by one and a half months but because I was current they could n't help. I did not pay one and a half months to qualify for the modification. I was denied the modification because I did not have employment although I had savings that I was supporting myself and family. If I were told that not having current income would ALSO deny me for a modification then I would n't have missed the payments to qualify. Seterus told me that it was a common rule not to accept modifications if a person had no current income regardless of savings. They told me that I should continue to pay the mortgage and notify them when I gained employment ( XXXX XXXX ). I did and set up a payment plan to repay the month and a half I was behind. Mind you I still had n't received a mortgage bill so I was not aware of how much was going to my arrears and what was going to fees. Last I checked with Seterus my arrears was down to about {$800.00} in XXXX. My payment is {$1200.00} and I have been paying {$1300.00} since XXXX to continue to pay on my back payment in good faith. XXXX XXXX I paid only {$600.00} on my mortgage due to car maintenance and have every intention of making up the XXXX payment at the end of the month. I received a letter in the mail stating that I owe {$1900.00} in back payments and if I do n't pay in full by XXXX XXXX they will begin foreclosure proceedings. Since my repayment issues ( due to their misguided advice ) I have no idea where my payments toward my arrears are going. Is the {$1900.00} for the XXXX payment + past arrears + XXXX arrears? Their is n't a person handling my bankruptcy account that I can talk or email directly. The telephone number constantly refers me to the web-site that has a tendency not to work by freezing five minutes into searching for information about my account. The customer service line places me on hold for a half hour or more. Seterus is aware of this web page malfunction that 's been happening since XXXX when I unwillingly became a bankruptcy mortgage customer.
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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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: Vehicle loan or lease

My vehicle has been paid for since XX/XX/XXXX. I sent Huntington National Bank a letter asking for my lien release in XX/XX/XXXX because the vehicle was wrecked and listed as total loss. I haven't gotten anything. I filed a complaint with XXXX  Ohio on XX/XX/XXXX and the complaint was closed because Huntington said they addressed the issue. I got a message on my home phone to call  XXXX @ XXXX. I've called him back several times and left messages with my cell number. Never got any return calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I recognized that my credit was being used and there was unauthorized hard inquiries on my credit report from someone attempting to obtain credit in my name. I have filed a police report, and sent a formal letter to all three credit bureaus stating that I was victim of identity theft and fraud. I also placed a fraud alert on my credit. 

XXXX  was able to remove all of the inquiries, however, when I contacted XXXX  and XXXX  on XX/XX/2021 they refused to remove the unauthorized hard inquiries even though I mailed in a dispute letter with a police report attached. 

I am very furious because these fraudulent inquiries have hurt my credit and I am now not able to even apply for anything myself because the inquiries dropped by score 50 points.

There are 7 inquiries on XXXX  and 5 on XXXX  that I need removed immediately. The companies involved are XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX
Product: Credit card or prepaid card

On or about XX/XX/2023, I applied for an XXXX XXXX XXXX  online which is administered by the financial institution mentioned in this complaint. An XXXX credit report was pulled, my credit score is in the XXXX 's. I was approved for a {$10000.00} credit line ( see attached proof ). On XX/XX/XXXX, I was on a trip in Maryland. I attempted to make a purchase at a retailer that accepts this card. Unknown to me, the account had a block on it, with a request to verify my identity. I provided my valid State Driver 's License and a Visa card issued by XXXX XXXX. An attempt was made by the bank to verify my identity by sending me a text code to my phone. The system at the bank malfunctioned and could not send the text. The cell phone number of : XXXX has been my number for 17 years through XXXX XXXX. I have received numerous text codes without any issues whatsoever in the past. My background is as follows : no negative credit information is reported by any major credit reporting credit repositories, a credit utilization ratio of 13 % and over {$170000.00} in available credit amongst my credit cards. I have no fraud alerts on any of my credit reports. I attempted to call the financial institution at the customer service number on XX/XX/2023 for clarification of the issue. The business was of no help to me and could not provide an answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The folks at LexisNexis have incorrectly shared with my insurance company that I had an accident in XXXX of 2018. I have not had any accidents. I have gone through this with them multiple times when I have changed insurance carriers. They claim they will fix it, but never do. The accident belongs to my son who has the exact same 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 # : XXXX Balance : {$160.00} has violated my rights. 15 U.S.C 1681 section XXXX A. States I have the right to privacy. 15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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. Remove these accounts within XXXX  days of receiving this
Product: Credit reporting or other personal consumer reports

" According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the 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 ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

Equifax and XXXX are not maintaining reasonable procedures. Also 12 CF {$1000.00} states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Product: Credit reporting or other personal consumer reports

These creditors XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and the credit agengies Experian, XXXX and XXXX are in violation of Code 6801 sharing non public on my information on my consumer report without obtaining my written consent have shared and is therefore willifully not complying by removing these accounts XXXX XXXX XX/XX/XXXX {$7600.00} and XXXX XXXX XXXX XXXX XX/XX/XXXX {$690.00} I ask for assistance with assuring these non public accounts be removed from my consumer report immediately
Product: Credit card or prepaid card

I received the platinum card from Wells Fargo. The payments were being taken out of my checkings account monthly and on time. The company explained that I was approved for an upgraded card with a larger limit. The company closed the account because they said it was nit activated by me in a certain time frame. I did not receive the card to activate it. I have paid the full amount owed which was {$860.00}, and there is no balance due.
Product: Credit reporting or other personal consumer reports

Please remove the following fraudulent inquiries and bad accounts reporting late payments from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. ( inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX attach, along with the dispute, my fraud report that I just sent to XXXX for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listedbelow continue to report on my file. The late payments areinaccurate, the payments were made on time. Please update thelate payment markings to show the correct paymenthistory.Update the account/s below : XXXX