23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX I received a letter in the mail from Target XXXX  Card dated XX/XX/XXXX stating " an authorized user asked to be removed from your Target Credit Card account. We made this change on XX/XX/XXXX and deactivated their card at that time. I called immediately and asked how this letter could have been generated on this date because I removed my ex-husband as an authorized user on my Target account in XXXX, XXXX. I received all types of excuses including " it was a system glitch '' until I finally reached XXXX the Supervisor of the XXXX XXXX who researched and told me that on XX/XX/XXXX my ex-husband called and she used his first name, not once but twice but she couldn't tell me what was discussed. I asked her why anyone would discuss my credit card account with anyone other than me since I am the only XXXX on the account. XXXX said that if a caller calls in and has my name, address, telephone number and Social Security number they can discuss my account with them because they assume it is me. She stated that nothing was done, no card was deactivated as the letter stated and no one was removed from the account since I requested his removal in XXXX of XXXX and Target generated a letter confirming in XXXX, XXXX. She would not email the XXXX letter to me. When I said that my privacy was violated with those phone calls she said that since it wasn't a case of fraud her department doesn't handle violation of privacy issues and Target doesn't have a department that handles violation of privacy issues. At that point the call was disconnected and the whole thing took approximately 3 hours. My assumption is that Target did not remove my ex-husband as an authorized user on my account in XXXX as I requested otherwise information would not have been discussed with him on XX/XX/XXXX and the letter dated XX/XX/XXXX would not have been generated. My divorce was final in XXXX of XXXX. I am shocked at the violation of privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have only 1 credit card ( secured ) with Citibank. I have been checking XXXX  XXXX  and other credit assisted apps and have also been on XXXX  and it shows I have another open credit card from Citi all it says is Citicards CBNA, Opened XX/XX/2020. With a {$38.00} Balance. Im certain this is affecting my credit, and at this time Im really trying to get my credit to a good enough score to help my daughter in her future. Please if you Could contact me and please get this card and {$38.00} off my report. 
Thank you. 
Respectfully, XXXX XXXX XXXX ( XXXX XXXX XXXX
Product: Credit reporting

I have XXXX accounts reporting on my credit report as delinquent -- XXXX from XXXX 's and the other from XXXX XXXX. I have disputed these accounts multiple times, but they nevertheless have not been corrected. 
The XXXX 's account does not belong to me. I have never had an account with XXXX 's. The account was opened in XXXX 2016, and apparently was never paid. The notation indicates it was charged off. I have also contacted XXXX 's advising them that this is a fraudulent account. 
There are also XXXX currently open XXXX XXXX accounts -- XXXX with a zero balance and XXXX with an approximately {$1600.00} balance. I disputed these accounts due to not recognizing them. While the matter was in dispute, XXXX XXXX reported these accounts as delinquent. I disputed each XXXX XXXX or five times over the past six months. Once I finally received verification from XXXX XXXX, I quickly paid both accounts. However, they are still reflecting past due payments. I was under the impression that creditors were not permitted to report an account delinquent while it is in dispute, and once the dispute is resolved, the creditor must give the cardholder an opportunity to make payment before reporting the account delinquent. The person 's name I was dealing with at XXXX XXXX is XXXX XXXX. Her number is XXXX ext XXXX.
Product: Credit card or prepaid card

On XX/XX/2021 I placed an order with XXXX and paid with my XXXX.XXXX  prepaid Visa card. The order amount was for {$26.00}. However, when I checked my account history at XXXX I saw that {$31.00} was charged to my card. I called XXXX on the same date, XX/XX/XXXX, to inquire about this. I spent close to an hour on the phone with them but they could find no record of a {$31.00} charge and suggested I reach out to XXXX 

I called the customer service number for XXXX, XXXX after hanging up with XXXX. At that number there is no option to reach a human being. I tried every option they had but could not get a live person on the phone, and none of their prompts were able to help me with this issue. 

Thinking that maybe there was some other fee that XXXX could have charged me I consulted their fee structure for the type of card I have. I saw the {$1.00} transaction fee that I already knew about and was charged to my account separate from the {$31.00} charge but XXXX has no other listed fee that would explain the missing money. {$5.00} is not an amount typically used for a fee anyway. 

My complaint is against XXXX, but am not specifically sure what I should complain about. I do not know if they charged me a hidden fee of {$5.00} or not because I can not get them on the telephone to ask about this. I suppose my complaint is that they do not have live customer service nor an option to dispute a charge on an account, and also that they potentially charge hidden fees. 

Somebody charged me an additional {$5.00} and I want to know who and how this happened, but XXXX has no live customer service. That is not a good way to do business.
Product: Payday loan, title loan, or personal loan

I paid off a collection account to XXXX XXXX which was for a payday loan with Speedy Cash. It is still being reported as a collection account with XXXX. I sent a letter to XXXX and XXXX XXXX asking them to not report as a collection. XXXX XXXX told me they could n't do it and told me to tell XXXX to tell them to change it from a collection to paid and closed. XXXX told me they ca n't do that. I am attempting to improve my credit scores by establishing new credit and paying off old debt. My attempts at this are futile with XXXX since my credit score has gone up one point in the past 6 months since I started this process. The other 2 bureaus have shot up from the low 500s and surpassed my credit score at XXXX. Please review the letter I sent to the two agencies and explain to me why paying this off has no effect to my score or status. If paying my debts makes no difference, I give up! 
Here is the letter I sent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Acct # : XXXX Re : Collection account paid in full To whom it may concern : Please notify XXXX that my balance in the amount of {$310.00} due to Speedy Cash was paid in full and is at a XXXX balance and ***not to report it as a collection item. I am no longer disputing this item with XXXX. XXXX  told me you have to tell you to ***no longer report as a collection item. You told me XXXX has to fix. Please sort this out. I am attempting to pay off my debts and improve my credit score. This is futile if nothing changes. 

Thank you for your time. 

Sincerely, XXXX XXXX XXXX DOB-XX/XX/XXXX XXXX CC : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX ) XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In a recent dispute XXXX XXXX, Sr. Consumer Relations Specialist from Equifax , said that the following accounts were verified.XXXX XXXX XXXX XXXX regarding accounts XXXX, XXXX, XXXX and XXXX how is this possible? What was your method of verification. Please send me all documents used to verify these inaccurate accounts, I have no record this information. Please delete these account because they reporting inaccurately affecting my creditworthiness. I am the process of trying rent an apartment for my family.
Product: Debt collection

Ive called west lake Financial after they CONSTANTLY harass me about a car that I took BACK to them ( AUTO HAUS ) the place where the car was gotten from & for my Money Back for the car IT had problems they didnt want to fix anything on the car nor trade it out. I constantly gave phone calls went to visit the car shop they was very rude to me & other customers..
Product: Student loan

I start attending XXXX XXXX XXXX XXXX XXXX College fall XX/XX/XXXX and continue to spring XX/XX/XXXX. I completed the In school Deferment Request for both semesters, yet Nelnet continue to bill me while attending school. I paid on my school loan during my deployments, when I did not have too. Do not understand way Nelnet is ignoring my request for deferment. I must return to school because I need to obtain more education to increase my chances of obtaining a better paying job.
Product: Credit reporting or other personal consumer reports

WESTLAKE PORTFOLIO MGM Account number XXXX In accordance with FCC regulations, the specific code or provision that grants me this right is outlined in Title 47 of the Code of Federal Regulations ( CFR ). While I do not have the exact code at hand, it is my understanding that the FCC ensures consumers have access to signed copies of contracts, especially those related to telecommunications and related services. 

This is a breach of contract and an adverse action for exercising my rights. 

Consumers also have rights under the Fair Debt Collection Practices Act ( FDCPA ), a separate federal law that regulates the practices of debt collectors. Under the FDCPA, if you request validation of a debt within 30 days of receiving the initial communication from a debt collector, the collector must provide you with certain information, including a written verification of the debt, if requested. However, this does not necessarily require the collector to provide the original signed contract or " wet documents. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate accounts on my Experian for Student loans, and other closed accounts on my Experian consumer report. I stated that my student loan balances for XXXX  were different from the balances that were reported on my Experian. 

They were for the account XXXX with a balance of {$4400.00} on XX/XX/2020 is different from the balance reported at XXXX which is {$4400.00}. The account XXXX with a balance of {$7700.00} on XX/XX/2020 is different from the XXXX balance of {$7600.00}. The account XXXX balance reported on XX/XX/2020 {$6000.00} is not the same as XXXX which is reported as {$6800.00}. 

For the accounts XXXX which report with the balance of {$940.00}, {$3100.00}, {$1500.00}, {$6800.00}, {$6000.00}, {$4600.00}, {$6200.00}, {$11000.00}, {$2000.00}, {$1200.00}, {$390.00}, {$2800.00}, {$1500.00}, {$6000.00}, {$890.00}, and {$24000.00} which were all reported on XX/XX/2020 are not the same as the balance reported on XXXX which are {$950.00}, {$3100.00}, {$1500.00}, {$6800.00}, {$6000.00}, {$4500.00}, {$6200.00}, {$11000.00}, {$2000.00}, {$1200.00}, {$390.00}, {$2800.00}, {$1500.00}, {$6000.00}, {$890.00}, {$24000.00}. 

For the accounts XXXX reported on XX/XX/2020 with a balance of {$11000.00} which is different from what is reported on XXXX which has a balance of {$11000.00}. The account XXXX on XX/XX/2020 has a balance of {$2100.00} but us reported on XXXX with a balance of {$2100.00}. 

I ask them to delete these inaccurate accounts off my consumer report. 

I also told Experian that these inaccurate that were on my XXXX Consumer Report. Also, were on my Experian consumer report and I ask them to delete these inaccurate accounts off of my credit report. I stated that some of these accounts are also being reported on my Experian. These accounts are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and I also have multiple accounts that have been deleted for DEPT OF EDUCATION XXXX. These inaccurate accounts need to be deleted. 

I also notify Experian about 15 U.S Code 1681b-Permissible purposes of consumer reports : which I told them that this law states that : ( 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 instructions of the consumer to whom it relates. 

I told them I never gave them consent to report anything on my consumer report. 

Experian will not delete this inaccurate information off my credit report. They instead continue to update these inaccurate accounts on my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian over 20 times on XX/XX/04. I was trying to speak with someone about disputing an erroneous address on my credit file. I was unable to speak with anyone, as the call kept dropping after 2-3 seconds. I attempted to dispute the wrong address on the website, but received an error message. 

Also, I had some questions about my membership, but I was unable to speak with a rep.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX XXXX Experian Information Solutions, XXXX XXXX XXXX. XXXX XXXX - XXXX. Court, ( XXXX XXXX XXXXXXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
XX/XX/XXXX In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXXXXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Student loan

I paid off my student loans in XXXX The lender then sold my loan, went out of business, and my loan was sold 3 more times. All while interest upon interest has been adding up for the interim XXXX years at a 9 % rate. I have escalated this matter to the XXXX services, to no good end and am getting ready to send a package to the Dept of Education. XXXX is incorrectly reporting this information as well. I am unable to get a mortgage loan with this {$110000.00} debt on my credit and beseech you to help me clear this debt off, once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made bya third party. I declare under penalty of perjury I am alleging that a person or company-without my authorization- from unauthorized use of my social security number and cardused my personal identifying information to apply for goods, services, or money ; and, wassuccessful in creating some account. I have no knowledge of this and all is beinginvestigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumerreports I never gave any written consent to report anything on my consumer reports... noconsent is fraud. Please delete the account below from my report : XXXX XXXX XXXX XXXX Date opened XX/XX/2008 Balance : {$6100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently saw that I have 2 credit cards that I never applied for. I am a housewife and don't work so never had the need to check my credit but when I recently chekced after a long time thats when I found out that there are 2 credit cards whch I have no knowledge of and are unathorized acccounts which ARE NOT BY ME THEY ARE OPENED FRAUDENTLY. I AM A VICTIM OF IDENTITY THEFT AND I AM JUST FINDING OUT ABOUT IT!!. I would like to get these both unathorized fraudentlt accounts off from my credit. These 2 accounts have hurted my score alot and during these hard COVID times i can not afford to loose another chance to miss on an oppeetunity.. These cards both have balances on them that I did not authorize at all. These Both credit cards are fraudlent. Please resolve this mater as soon as spossible as ths is an urgent case. 
Following are names are of unauthorized acounts 1.XXXX XXXX XXXX   acount ending in XXXX 2XXXX XXXX Credit card Thats all the info I have.
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 name : # XXXX, Account name : # XXXX, Account name : # 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 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

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Experian and XXXX Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

None of my credit accounts on my credit report match. 

The credit bureaus stated all of my information on my credit report is accurate and verified. 
How is that possible when the balance owed, payment status open date, date last active is incorrect, and date last reported are not accurate on all of my accounts. 
I have attached my credit report below. Equifax isnt even reporting on here but i have my equifax report. THIS IS GROUND FOR REMOVAL. THEY ALSO VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 604 A SECTION 2. 15 USC 1681 SECTION 602 A states I have a right to privacy! 

The law states clearly a consumer reporting agency can't furnish an account without my written instruction. I haven't given my permission for them to furnish my accounts. 

This is all according to the FCRA XXXX account # XXXX The bureaus had 60 days to fix this and by law they had tO fix this within 30 days. I have all the documentation I need to come after the bureaus. I already am in a lawsuit with equifax, and i will come after XXXX and XXXX. The bureaus did nothing to fix this and i'm not waiting any longer. 

Please see attachments below : ALL OF THESE ACCOUNTS NEED TO BE DELETED WITHIN THE NEXT 14 DAYS
Product: Credit reporting or other personal consumer reports

I am following up with a response to your letter dated XX/XX/year>, in which you assert that I owe a debt to your agency. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and request that you provide me with the following information : I have no record of entering into any contractual agreement with your agency. As such, please provide a copy of the original, signed contract or agreement that establishes my obligation to pay your company this debt you brought, not my personal information.

I remind you that under the FDCPA, you are obligated to cease collection activities and reporting anything on my credit files until you have provided the requested verification of the debt. Failure to comply with this request within XXXX days of receiving this response will be considered a violation of the FDCPA. I will use all remedies available to file a federal lawsuit against your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning. My complaint is with Experian. I tried sending them about 2-3 letters over the past 3-4 months informing them that they were reporting informing on my credit report that was both fraudulent and incorrect and each and every time they sent me a letter back stating that they couldn't find me. Over a month ago I sent in a picture of my social security card and now they haven't sent me anything back and it's been about 5-weeks since I sent in my last letter. I sent it back in XXXX and it's now XXXX. No response whatsoever.
Product: Checking or savings account

Charge my account extra fee and wasnt notified or included up front or updated to my account or mailing address