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

I stopped using one of my XXXX account in 2020 and did not think to deactivate it, but just recently I went back on that account to check some orders and I noticed that there was a strange expired bank credit card HSBC Revolution Visa Platinum Credit Card under my name and address that I never made. I tried calling the bank but no one answered so will try again tomorrow. I went back to XXXX account and tried looking for more details to find who has been using it and discovered a name and address. This person ordered some stuff in 2020 and had been deleting his order history so it took me a while to find his info. I managed to find a invoice with his name : XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, NC XXXX United States XXXX I do not know if he is still located at the address since the last item was ordered in XX/XX/2020. I do not know if he still has the credit card that has my name on it so I want to report everything before he uses my information for anything else. I reported this to XXXX today and they are currently in the process of looking into it because I have been charged for XXXX prime for almost a year since this occurrence. I have another XXXX XXXX account that I have been using so I did not think to check that I have been being charged for two XXXX XXXX membership.
Product: Credit card

On or around XXXX I submitted my application with my extension of credit to Goldman Sachs for an Apple credit card. I endorsed the application and provided my security as collateral. I was denied credit by Goldman Sachs and Apple without valuable consideration. 

Official interpretation of 2 ( c ) Adverse action.

( 1 ) The term means : ( i ) A refusal to grant credit in substantially the amount or on substantially the terms requested in an application unless the creditor makes a counteroffer ( to grant credit in a different amount or on other terms ) and the applicant uses or expressly accepts the credit offered;
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent over a letter to the XXXX credit bureaus of an account that was reported fraudulently and must be removed from my report. Credit bureaus has not responded at all. 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! This account should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I am writing to provide an update on my ongoing efforts to remove fraudulent items from my credit report. Despite multiple attempts, these inaccuracies persist, and I am seeking further assistance to address this matter. I have diligently pursued the removal of fraudulent items from my credit report. I have submitted disputes, provided extensive documentation, and engaged with creditors and credit reporting agencies to rectify this issue. However, to my dismay, the fraudulent items remain on my credit report, negatively impacting my creditworthiness and financial standing. These persistent inaccuracies have caused significant XXXX and hardship. It is crucial that these issues are promptly addressed to ensure the fair and accurate reporting of my credit history. 

Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation. Restoring confidence in the accuracy and reliability of information reported on credit reports is essential. With this, I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$2600.00}.
Product: Credit card

XXXX I spoke with someone at the cfpb and found out the Email on file didn't match my account. I was told to resubmit with my claim number. The priests phone was hacked and I received a text asking to purchase XXXX  gift cards XXXX {$100.00}. The church posted on XXXX it was fraud, a few people received it. I let my credit card company know and they are not helping me.
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}, {$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 on XX/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. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Consumer Loan

Capital One Auto Finance refuses to remove credit history of an old account paid in 2011. After several Good Will Letters explaining what caused the late payments and the current need to have it removed. They have denied my request several times. 
Also after sending all pertinent information of where to send response they sent to an old address listed in 2011 which shows they did not even read my request showing all updated information. 
Please help. My wife and I are currently XXXX and need to buy a home with my son and his wife so that they can help take care of our XXXX needs.
Product: Credit reporting or other personal consumer reports

Transunion I requested that the information being reported to my credit report be investigated. 

I have not recievved proof of how they Investigated the alleged debt on my credit report. 

Failure to provide how they verified the debt Being reported on XXXX credit report. 

XXXX XXXX XXXX XXXX are stull Showing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

First Progess was sent a letter of dispute via XXXX on XX/XX/2023. 
After review of my credit reports, First Progress has not marked any account as disputed as required by the FDCPA
Product: Bank account or service

Bank of america reordering my debit card transactions and holding small transactions back until big transactions get my account low and then pushing through the small transactions to see how many they can charge a NFS returned fee for. The returned fee is {$35.00} and these crooks have stolen XXXX from me over the last few short months by showing me a debit card transaction is paid on my account page and i have x amount of dollars left but then they say thats not accurate and magically those small transactions are witheld from debiting until it would create a returned nsf fee. This company is crooked!
Product: Debt collection

This agency is stating I owe money which is past due. I full filled my lease, gave proper notice, and turned in the keys and was informed everything is great. Now I owe. This is not right and I need help.
Product: Mortgage

Information incorrect well 's fargo. I had to wait a year to refinance home they were trying to finance through them ( Well 's Fargo ) so they placed a late payment on my credit. But Well 's Fargo would only allow me to finance through them only. Forcing me to wait a year for the information the reported on my credit report. Information Attached. 
Derogatory InformationLearn more ... Print your report ACCOUNT NAME ACCOUNT NUMBER ACCOUNT TYPE WELLS FARGO HOME MOR XXXX Mortgage BUREAU BUREAU CODE DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT HEADER BALANCE LAST REPORTED ACCOUNT HEADER STATUS AMOUNT PAST DUE XXXX XXXX XXXX {$0.00} {$1100.00} {$0.00} XX/XX/XXXX PAYS AS AGREED {$0.00} COMMENTS - BUREAU DAYS PAST DUE HISTORY DATE 24 MONTH HISTORY 30 60 90 XXXX XX/XX/XXXX 30 30 30
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed this inquiries several times, they are fraudulent and weren't authorized by me and I want them removed. Below is a list of inquiries TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

Citizens Bank is not recognizing a court issued document. 
I was provided with a three page document for " Voluntary Administration '' dated, signed by the Register of Probate and stamped with a seal. 
The bank wrongfully insists that the Court will be sending some document, a call to the Probate Department @ XXXX verified no further issue is coming from the Court. 
I do not think it is my responsibility to wait for the folk to learn what they should know to hold the position they have. 
Just want to close the account. have been there four times already.
Product: Debt collection

On Tuesday, XX/XX/2019 I received a voicemail stating that there was an attempt to by a county processor to deliver court documentation and it was a failed attempted so in order to avoid legal obligations I need to contact them. That legal action will be taken. I did call them and I was told that we could settle if I were to pay {$670.00}, which is {$410.00} more than the original debt that is owed to Victoria Secret due to penalty fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am ( 120 ) days past due on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due and this incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Prepaid card

My bluebird card was stolen by an unknown person. They also stole my phone. They were able to change the card pin, probably by using the app on my phone, and then they used an ATM to withdraw all my funds. The Bluebird company won't refund me. I filed a formal fraud claim but they denied it. This directly contradicts their terms which says Fraud Protection. If your Bluebird card is lost or stolen, know you won't be held responsible for fraudulent charges. I have been a loyal customer for over 10 years and never caused any problems so I don't know why they are defrauding me now.
Product: Debt collection

Letter received from Convergent outsourcing on XX/XX/2019 for collection of debt of {$71.00}. 
Contacted XXXX on XX/XX/2019 XXXX confirmed that the account is not in my name or associated with my email address. 
Contacted Convergent outsourcing on XX/XX/2019 and informed them that the account was not generated by myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX & XXXX XXXX XXXX XXXX accounts. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.
Product: Credit reporting or other personal consumer reports

NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts were reported this year XXXX. I am not sure why it happened. These accounts have not been reported under my name since XXXX they were opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account that is reporting incorrect information on my XXXX credit report. The information is still incorrect. First off my available credit line is not {$600.00} it is {$1000.00}. My second issue is the account is reporting maximum delinquency was 30 days in the year XX/XX/2017. That is also incorrect this account was never paid late. I disputed it with XXXX credit reporting agency and after they investigated it it shows the account was never paid late and reporting as a positive account. If XXXX did a full investigation they would have received the same response from XXXX XXXX XXXX. Yes it shows paid as agreed but the account should be as accounts in good standing. As of right now it is still showing under potentially negative account. Having this incorrect information is affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 reporting agencys have made decisions in less than 5 days from recieveing disputes asking for removal from my reports until further investagtion r complete and meets the standards of the law .they received my disputes on the XXXX of XXXX and made desisions two days ago some company 's they don't even list or have contact numbers for. please help me I am XXXX yrs old and I'm scared my info on the XXXX  XXXX  please make the seal my info tight and remove anything that not valid. I have downloaded just a few of the letters my lawyer sent to them with dates on the letters. I have also downloaded proof of all the injuries that just XXXX  has let access my files. While frozen
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Account Number : XXXX*** ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number XXXX XXXX  ; XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX  XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX  XXXX Account XXXX : XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, Equifax all failed and voilated my consumer law rights according to the FCRA 15 usc 1681 a/b/g Congressional findings of the consumer law states my rights as a comsumer inaccurate information harming me and my family my personal information is very important to me .XXXX XXXX XXXX XXXX is one of the company furnishing inaccurate information on my credit report, also late payments, another company is XXXX # XXXX is in voilation of my consumer law rights and i would like these items removed from my credit report. And according to my rights these violations are entitle for me to recieve {$1000.00} for each violation commited thank you for understanding the consumer
Product: Credit reporting or other personal consumer reports

I've reached to Acima regarding this fraudulent item being reported by XXXX and requested an original contract with a wet signature to verify the alleged debt. Acima has failed to provide the requested information and has violated my consumer rights per Title 15 USC code 6802. Acima failed to provide any disclosures that would allow me to opt-out of reporting as a consumer, which is their obligation. Acima and XXXX continue to practice in an unlawful manner, which could lead to legal action.
Product: Debt collection

XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX XXXX This auto company needs to update my credit reports as of now not late and have a balance for XX/XX/2018 of XXXX. it is showing on my report that I am still owing {$1100.00} while I have no past due as of today XX/XX/2018. 

They have customer service foreigners that did not always understand me whenever I talked to them.
Product: Credit reporting or other personal consumer reports

My school loans with XXXX have been discharged since XXXX of this year. It is reporting closed on every report except Transunion. I have tried to dispute several times and it says it comes back accurate. I have called XXXX several times and they say they will report it and never have.
Product: Credit card or prepaid card

I have recently received rejected payment adversely affecting my credit score and presenting a defamatory disposition as a paying consumer attempting to stay on top of my credit score.
Product: Debt collection

I received a call from a company called XXXX, phone number : XXXX on XX/XX/23 regarding a debt from XXXX XXXX. I went to XXXX XXXX website and confirmed that th debt was valid and paid it that same day. I called first point back and got to the same lady who called me. I made her aware that the payment was made and provided her with her reference number. Today, XX/XX/23. I received another call from her asking me to pay again. I called XXXX XXXX and confirmed that there was no current balance owed. I called her back and made her aware. A gentleman picked up the phone before and was very rude and combative. He transferred me over to her. I asked her to remove me from their list and to confirm with XXXX XXXX. She stated that she would remove me, but if the balance is not paid.. I reminded her that it was up to her company to validate the debt before calling me back and that I would take legal action should I be negatively impacted for a debt that is already paid. 

I am reporting this because I do not have any confidence that this company will do their due diligence ve to validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX someone tried opening a credit card under my name through Bank of America it made a hard inquiry on my XXXX report. I called Bank of America and got nowhere I called XXXX XXXX XXXX and they saw it and told me to report it and then I can send them the out come to get it removed. I got a email from Bank of America with a reference number as well with the denial of whoever tried to open a credit card with my information. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America with also bank transfers yes they got denied but it wasnt me and on my credit report. I appreciate help with this matter, so they can remove it from my report. I also have the denial email as well if needed. Thanks XXXX XXXX