23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received repeated phone calls, texts, and emails everyday for 2 years from Prestige Financial regarding my car loan. The communication was aggressive, demanding, and very stressful. I repeatedly asked Prestige Financial to only contact me thru one method instead of all three methods everyday, yet they ignored my requests over and over again! I explained to them that the frequent contact was stressing me out and causing me XXXX! The harassment became so overwhelming that I could not handle it anymore, so I decided to let them reposess the car, hoping that this would end the harassment. It was repossessed on Monday morning, XX/XX/year>. This type of harassment should not be allowed or legal from companies trying to recover payments. I uploaded screenshots of some of the calls, texts, and emails I received from Prestige, but there are way too many to upload them all!
Product: Credit card or prepaid card

On XX/XX/2019 I used my Citibank 's card Thank You rewards network for a hotel stay in NC. As result of the issue the hotel management issued a refund ( attached ) at the amount of {$42.00} which was paid to the Citibank 's travel processing vendor as it was responsible for handling the transaction. As of today the amount was not returned back to my credit card. When I contacted the Citibank 's vendor XXXX XXXX I was first put on the very long hold and then subsequently mocked and laughed at by the customer service representative ( I strongly suggest the Citibank to pull the call and hear it how it was handled ). It is reprehensible that the refund is automatically returned back to the cardmember and the Citibank allows its own vendor to what amounts to fraud. 
Question : what are the standards by which Citibank 's own rewards travel program is administered and why the Citibank doesn't not have any oversight on how issues such as this are handled. 
Ultimately I accrued the rewards points and used them as result of thousands of dollars of purchases with the Citibank card and I hold Citibank ultimately responsible for the issues resulting from its and its vendor 's abuse.
Product: Vehicle loan or lease

I have car insurance with USAA and have attempted to get my car repaired through the dealership multiple times and they failed to repair my vehicle. I have a claim with USAA for a XXXX XXXX XXXX in which I am trying to retain my vehicle. USAA, XXXX  and I spoke on a conference call on XX/XX/XXXX in which XXXX said that I could retain my vehicle and they just need the updated information to reflect the salvage value of my vehicle. XXXX  specifically stated that they do not offer letters of guarantee but we were on a recorded line and this validates the call or guarantee. I keep emailing and calling USAA and they have not really responded. Today, I received an email stating that USAA had sent payment. I called XXXX and they stated that they never received the updated amount so GAP could pay what they were going to pay. So, I am not sure what USAA is doing but I need to keep my vehicle because my son is in XXXX XXXX  and I am not working as much and I am not sure what will happen next. I received information from XXXXUSAA re : the title but I do not want to participate in this process because I want to retain my vehicle. Please assist. The date of the claim is XX/XX/XXXX and I am still making car payments because this has not been resolved. I saw the amount USAA is paying on today and they have the title going to XXXX who should not receive the title because they are only paying the salvage amount and my gap insurance will pay the balance. Again, I am paying car notes and I keep getting the run around. Again, the damage was XX/XX/XXXX and I have paid car notes up until now. I have been calling about keeping my car for over a month. I am overwhelmed and stressed out. This has been a difficult process.
Product: Credit reporting or other personal consumer reports

Transunion Failed to Provide " Any '' Documentation and yet " Verified '' Accounts as accurate? Meanwhile, XXXX and XXXX Deleted Accounts? from the same Creditor " XXXX XXXX XXXX '' How can the same Creditor Verify with Transunion, but not XXXX Or XXXX? For accounts XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX This XXXXt Inaccurate for sure. 15 U.S.C. XXXXe ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXXXXXX XXXX  XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX 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 XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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: Mortgage

I have been a great customer with Wells Fargo Home Mortgage since 2002 and we had a family tragedy which cost us XXXX in expenses and counseling. Wells Fargo mistakenly pays my property taxes and then apologizes over and over but has taken my payment to {$820.00} a month for 8 years now!!! I pay my own taxes and they know it. During this tragedy we were not able to follow all the ridiculous notices that they did it again and subsequently was paying the same amount but they had raised the monthly payment to make up for their error and when my payments came in they were not applied to my monthly mortgage they were eaten up by fees and additional charges. This made it appear I was not paying and now they have foreclosed on my house with a lot of equity. I mean what evil people would do this during our nightmare. My wife, a XXXX of 22 years had to resign her job because of grief and we are struggling with kids in college etc. They offer to help but switch me all over and never respond to calls. We reported to another agency and suddenly they wanted to help but have been dragging their feet and continue to bombard us with foreclosure documents and filings. They always claim I did n't send something and wait days before responding to stall so they can steal our home. I need this to stop ... .it continues to make my wife even more sick I am supposedly working with a XXXX XXXX who 's answering machine always has the wrong date and never responds by email and by phone week later
Product: Credit reporting or other personal consumer reports

I noticed on both of my credit reports that TransUnion and XXXX are reporting late payments that are inaccurate, I would like for this to be investigated and updated from late payment to on time paid as agreed. I have listed the account below that is negatively affecting my score Creditor : XXXX XXXX Account status Open Type Automobile Responsibility Individual Remarks No Info Times XX/XX/year> days late
Product: Credit reporting, credit repair services, or other personal consumer reports

I file a complaint of not being able to get my credit and never received an answer from either reporting agency. Within the last 7 years I have paid the state of Maryland XXXX {$7000.00} ) and Virginia ( {$6000.00} ) while paying XXXX, Visa, XXXX XXXX and XXXX XXXXXXXX credit cards services ( over {$6000.00} ). I should have a credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION, XX/XX/2021 - Unauthorized Credit Inquiry on my credit report ( XXXX XXXX TRANSUNION, XX/XX/2021 - Unauthorized Credit Inquiry on my credit report ( XXXX XXXX XXXX
Product: Credit card

I paid for an event, XXXX XXXX XXXX, in XXXX XXXX and I used different payment methods to pay for the event, which was roughly {$5500.00}! The event was cancelled due to negligence on behalf of XXXX XXXX  and we were informed the day before the event! XXXX XXXX gave us the option to either transfer our package that we paid for to a different event and they would credit us or receive a refund! They provided us with a form that allowed us to select our bank or their company to apply the refund to our accounts! I chose my banks that I used and I did receive credit from my XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX! My Barclays card gave me temporary credit for the charges, but came back later and reapplied the charges to my account! I tried numerous times and provided the evidence that these charges should have been reversed and the merchant gave permission to reverse these charges, but later came back and fraudulently sent information that wasnt signed by me saying I authorized a No refund policy! I never signed a No refund policy and I never received any credit from the merchant! Im requesting that the remaining {$2400.00} be refunded back to my Barclays card!
Product: Credit reporting, credit repair services, or other personal consumer reports

NAME AND PREVIOUS ADDRESSES ARE WRONG
Product: Credit reporting or other personal consumer reports

I'VE NOTICED UNAUTHORIZED ACCOUNTS ON MY CREDIT REPORT AND THESE ACCOUNTS HAS AFFECTED MY CREDIT SCORE NEGATIVELY. 

THE ACCOUNTS ARE THE FOLLOWING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit report and seen fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXXXXXX XXXX XXXXXXXX BANK XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX opened XX/XX/2021, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting

A settlement agreement was made with XXXX ( XXXX ) to settle and pay my balances. I paid the balances and made the settlement and my credit bureau accounts are not showing the correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my report and someone has been using my credit to obtain properties in there name and all sorts of things. they are reporting the information wrong on my report as well and not accurate on account amounts either. this is costing me thousands in interest rates this needs to be corrected asap wrong information XXXXXXXX XXXX XXXX  XXXX XXXX wrong amounts- i reported fraud to them and they have the worst customer service i have tried to reslove with them several times their intrest rates and wrong information is crazy its inaccurate and fraud they need reported for fraud hard inquires over 30days old some i have never even heard of nor done business with and to report accurate addresses because there are many addresses on my report that have to be removed wrong or inaccurate addresses XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX XXXX XXXX CT XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX  XXXX XXXX OH, XXXX -- -- -- -- -- -- -- -- -- -- -- -- - my name is spelled 20 different ways on there its only one way its spelled and my aacount with XXXX was paid before it was closed so it shouldnt be reporting as negative its has been paid since 2021 on time and in full that needs removed and all closed accounts on my report they were paid on time and closed by me
Product: Mortgage

I am questioning if there is an error in my new escrow calculation. New escrow = $ XXXX/mo., increase of {$220.00} per month over last mortgage year. Current insurances, taxes, and PMI, plus allowed 2 month cushion = $ XXXX/mo. if calculated based upon the actual bills due ( refer to attachments provided ). Bank is saying they base tax estimate on formula using XX/XX/XXXXdata instead of actual bill for XX/XX/XXXX. Bank also did not pay insurance on time this year, causing it to lapse - this is the second time they have had a problem administering the escrow account effectively. I am wondering if they are trying to recoup a penalty or late payment by sneaking it into new calculation. I am living check to check at this time and I can not afford to put a surplus in my escrow and wait to get it back a year from now.
Product: Bank account or service

I had a check come through my account on the evening of XXXX. When I checked my account on XXXX/XXXX/16, it showed the check had arrived, at XXXX which point I deposited enough money to cover the check. At XXXX at XXXX I received a insufficient Funds from the bank charging me a {$35.00} fee and making my account over drawn. I am requesting the bank stop charging fees when money was put in the account in a timely fashion to cover the check. every consumer knows this is a ploy banks use to make money off the consumer. Please assist me in stopping Wells Fargo Bank from charging my account illegally.
Product: Credit card or prepaid card

Currently, I am using Netspend as payroll debt card for the past couple months. I have been their customer for over one year. However, this is the second time that someone in the company has locked my account and online access due to unknown factors. Personally, I believe that someone has a problem with my job at Netspend in order for them to lock me out of my account. I have my payroll checks going into this card every week and it seems like they are getting mad at that fact. My friends told me that this card was very safe to use but now I am not sure. I just want to know if it is okay for me to use this card or are they going to lock me out of my account for no reason?
Product: Checking or savings account

On XX/XX/2022 I visited XXXX XXXX casino and made several withdrawals from various atm machines. The last two transactions failed as the ATM was out of money. I called chime and advised them that the cash transactions failed. They immediately denied my claims they have also been harassing me from XXXX every since I directly messaged them I have received follow requests from chime back to back very harassing I am afraid that they may be stealing my identity and sabotaging my account. So much has occurred its difficult to explain! But here are my documents and screenshots of my interactions and original atm receipts. 

Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written several letters and given affidavits to the credit bureaus along with each company listed with police reports, letters and reported them to other related organizations, Matters still not resolved it has been a few years with evidence of these alleged debts and violations! 15 USC 1692g Validation of Debt
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer I, XXXX XXXX have rights to privacy and rights have been violated. Pursuantb to fcra 15 usc 1681 ( a ) ( 4 ) and 15 usc 1681 ( b ) ( a ) ( 2 ). i have not given XXXX, XXXX or transunion any permission nor verbally nor written to furnish, sell or give away any of my information. I have opted out of them giving away any of my information and they have not abided by my rights to privacy. XXXX, XXXX or Transunion have verified or updated accounts without proof of what they used to verify them. the accounts in question are XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 should be removed immediately
Product: Credit reporting or other personal consumer reports

" I am writing to delete the following information from my file. The item I deleted listed in the report I am a big team of identity theft, and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. please delete this items as soon as possible "
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, I am writing you this letter regarding payments that were marked late by Discover for the following accounts on the following date ( s ) : late payment dates suggested are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used for a mortgage and I want it removed from my report on XXXX XXXX services Account number # XXXX
Product: Credit reporting or other personal consumer reports

These inquiries are incorrect since i do not recognize them, please investigate them and delete them : Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts : XXXX XXXX Account Number : XXXX Balance : {$3700.00} Date opened : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$2300.00} Date opened : XX/XX/XXXX XXXX  Account Number : XXXX Balance : {$0.00} Date opened : XX/XX/XXXX XXXX XXXX  Account Number : XXXX Balance : {$0.00} Date opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Those items are identity thefts and do not belong to me. I do not recognize them and never had those accounts. My info was most likely compromised. I want XXXX  to remove them immediately as they are hurting my credit scorXXXX. They are not contributing with sending proofs of signatures, and will get an attorney to further proceed if they do not do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the far credit reporting act " XXXX XXXX '', has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

! 5 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

On Wednesday, XX/XX/2025 I needed to temporarily unfreeze my credit. When I went to the Experian website, selected unfreeze credit, it led me to login to my account asking for last 4 of social and phone number. It texted me a verification link, which I used. It pulled up my personal information that I did not enter such as my address. It then said it needed to verify my identity and offered to text me ( to a number that is not mine ) or to email me ( to an email address that is not mine ) and gave no other option for moving forward. So I closed out of that and called them. I went through a series of prompts and then it said it needed to verify my identity and could it text me? I said " yes '' and a bit of time goes by and it asks if I got the text. I said " no '' and immediately started to panic realizing they did not send to me, but to the other number that is not mine but is somehow attached to my account. After this I spent a good deal of time going back and forth between the phone number and the website to find every time no matter how I did it, the phone number directed me to the website and the website directed me to the phone number... so no person or otherwise help in sight! Finally, I decide to see if they have a XXXX account and if other people are posting about the same issue and what the answer given is. Sure enough, dozens and dozens of people having the same complaint, but none of them given answers! ONE lady, however had a response from whoever was running this site and it said they had sent a private message. So, I found where I could message to the site and after more than an hour a person responded. We went back and forth for more than 4 hours before I finally was given an option to send self-identifying documentation along with a case number which was given to me, a description of my issue, and my correct contact info to them via fax, mail, or uploaded to their website. I did so later that day. It is now XX/XX/2025 and I have received no follow up or even a confirmation that my dispute was received by them. I did reach out by private message on XXXX again and no response this time.