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

I couldnt believe it when I saw incorrect accounts on my credit report tonight, and I have no idea how they got there. I check my credit report regularly, and everything was always fineuntil now. I even refreshed my browser thinking it was a glitch, but the errors remained. These accounts shouldnt be there, and Im deeply concerned. Im asking for the documents I submitted to be thoroughly reviewed so I can stop worrying about this ever happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and these accounts still on.. I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name
Product: Debt collection

I have always have had medical insurance with Obama health care and with my job at XXXX XXXX I had insurance when I went to the hospital
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$11000.00} account XXXXXXXX XXXX XXXXXXXX {$300.00} accont XXXX XXXX XXXX account XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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 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: Debt collection

I receive calls as early as XXXX. and as many times as 3-4 times a day. I have also asked them on several occasions to please stop calling me so early and I was told that it is an automatic dialer that is calling but I informed them that it is still unacceptable and also that actual agents are calling me repeatedly and much too early as I work nights and it is against the law! I also have asked them many times what this is in regards to and if I wo n't verify my social security number and date of birth they sinply hang up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a account on my credit that shows charged off as bad debt when account was paid, I would like account updated correctly or removed from my credit report for inaccuracies
Product: Prepaid card

Hi, At multiple times throughout this year and last I bought XXXX gift cards issued by American Express directly from the company. I bought 24 cards in total. Each card is active and has a balance. None of the cards work at XXXX properties  and everytime the hotel tries to run the cards they are declined. The terms clearly state these cards are valid for " use at XXXX XXXX and properties worldwide. '' This is a known problem with American Express and many other people are having similar issues. I would like a refund via check for all of these cards that do not work. 

Thank you for your help. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive contacted companies multiple times regard my background coming up as fraud with previously proof showing identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been working with XXXX for over a year, now. Trying to get my credit cleared of Collections and medical bills. After so long I finally started to get the collections and medical bills taken off my report and I finally got all collections off my credit file. Then a few months later I was on XXXX  and the collections reappeared. Ever since then XXXX work on continuously to get them removed.
Product: Debt collection

Received an email about debt, but no court docs saying the debt was going up for garnishment. Never received any garnishment documents to resolve the issue. Contacted Midland by phone and the representative said I can view all information online about what Attorney office has the debt. No information was found. Called back and got transferred and was told the website is having issues and wait 48 hrs and it should show up. Waited 48 hours and still no information.
Product: Credit card or prepaid card

Hello, I opened an account with Discover back in XXXX of XXXX. Several months later I was told that I needed to sign some paperwork. I called into the customer service center to let them know that I was out of the country working and would not be back for several months. They said that was fine and to just sign the paperwork when I got back. However before I returned home they canceled my account. I called in and they said that it was too late and that I could reapply if I wanted too. I decided it was not worth the effort. This was a secured card that I gave them {$500.00} to help rebuild credit. This was in XXXX of XXXX. I called in today to see when I would get my security deposit back. Please note that the account and charging privilege 's were canceled in XXXX. They informed me that it would take two 30 day billing cycles plus 7 business days. So, basically 67 days. This is ridiculous. How is that even possible. Not to mention they will be sending me a physical check and not putting it back in my account ( the way I had to make my security deposit ). I have never heard of such a thing. This is the way the treat people who are trying to do better in life. I need my money. How can it be legal to hold someone's money for that length of time????
Product: Credit reporting or other personal consumer reports

Hello My name is XXXX XXXX, and I would like to submit a request regarding a dispute. On today, XX/XX/year>, I received an alert from by bank that a hard inquiry had been initiated by FACTUAL DATA, XXXX XXXX XXXX XXXX XXXX. I have not initiated this application and am concerned that my information is being utilized fraudulently. I contacted XXXX as I thought I had a freeze on my information with all XXXX credit bureaus, however I was advised to reach out to each one independently. In speaking with someone at XXXX today they have applied a freeze to my account which I would like to remain in place. I am also requesting that this information be removed from my record as I did not submit this application. Thank you for helping me to resolve this matter.
Product: Debt collection

I am filing this complaint to address a critical matter concerning my credit report. After reviewing my credit report, I noticed that there are accounts listed on my report that have already been removed by XXXX and XXXX due to identified errors. This raises serious concerns about the accuracy and reliability of your reporting procedures, considering that the other bureaus have already rectified this discrepancy. I have attached copies of the correspondence from XXXX and XXXX confirming the removal of these accounts. I expect a thorough investigation into this matter, and I insist that you comply with the Fair Credit Reporting Act ( FCRA ) by promptly correcting these inaccuracies. Your immediate attention to this dispute is essential, and I anticipate receiving a written response within the legally stipulated time frame. The disputed accounts are as follows : XXXX XXXX XXXX Date opened : XX/XX/2016 Balance : {$0.00} and XXXX XXXX  XXXX Date opened : XX/XX/2016 Balance : {$2000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed some accounts on my credit report that i have no knowledge about.
Product: Debt collection

A Collection note was included on my Credit Report on behalf of XXXX ( XXXX XXXX XXXX ) for {$540.00}, corresponding to an account open in Illinois State, under my name and Social Number, I dispute this using XXXX and didn't solve it, I walk to a XXXX XXXX XXXX Corporate Location and they found all the information about the Identity Theft and gave to me tools to complaint to XXXX XXXX XXXX Fraud Department, in where I already file a Identity Theft Complaint. 

I never live in the State of Illinois, I have been living in U.S for 5 years and always in XXXX XXXX, Florida area. 

I never share my personal Information ( SSN, Bank, Passwords, etc ) with nobody else.
Product: Checking or savings account

Monday XX/XX/2020 I opened a Bank of America advantage checking account. By Thursday of that week, only 3 days later, I was unable to login to my online banking with a notice that said " online banking is unavailable to you at this time ''. The only email I received that day was a notification that my new ATM card was on it's way. I called XXXX to see why I couldn't access my account online and was told I needed to take 2 forms of ID into a branch and have them call so I did that right away. That's when I was informed that my acct was closed and the ATM card was cancelled. They will not tell me how or when I can get my {$650.00} balance. My payroll direct deposit was accepted after the acct was closed and they won't give me my {$650.00}. account closing balance. They have not informed me at all whatsoever in writing that my account has been closed. I only found out because I have no access to my account or my money and I went into the branch to find out. My family needs this money to live and to buy groceries. This is a hardship for my family and I need answers and I need my money a.s.a.p When I googled about my situation, i found numerous other complaints exactly like mine so I decided to call my local branch in my city and get more info. I was told this is very common and can take up to 3 weeks to receive my closing balance. How is this even legal? That's MY money! Other people have reported waiting up to 5 months to get their money back from Bank of America. Another person said it took her 86 days to get her closing balance from Bank of America. Please investigate this. My family is in a desperate hardship because of this. I'm at a loss at this point, literally, and don't know how else to proceed.
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 {$1000.00}, {$48000.00}. 
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 ) -- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- STUDENT ACCOUNT 2. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$48000.00} -This is not my account.
Product: Credit card

I bought Bedroom from XXXX XXXX XXXX through XXXX  i have XXXX credit card with Synchrony Bank credit with this Bank {$1500.00} Every Month minimum payment {$64.00} Payment Due Date every month of Date XXXX Auto pay set up from my checking Account. 
First payment was XX/XX/year> But i did not get on time Account details or credit card from Bank. 
2. unnecessary late fee charging. every month. 
called Bank Representative they can not refund me.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on the disputes I have previously submitted regarding several negative items listed on my TransUnion credit report. Despite my previous attempts to address these issues, the inaccuracies and invalidities remain unresolved. I am requesting immediate action to correct these errors.
Product: Debt collection

I owe paypal a debt. So now I owe XXXX XXXX XXXXXXXX XXXX XXXX called me in XX/XX/2019 to set up a payment plan. I agreed to {$50.00} a month. They took {$50.00} for every month XXXX, XXXX and XXXX then they went ahead and took {$3800.00} on XX/XX/XXXX. It was all of the money I had. It left my account in the negative. I would never agreed to paying that big of amount. Not knowing what the future might bring. With XXXX children. I want my money returned. I have had to write them a email with bank statements and now I have to wait sick to my stomach hoping they return it. This isnt right..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is lying to the cfpb and preventing a XXXX veteran from putting a roof over his head. XXXX  discriminates against XXXX people, XXXX people and veterans and lies through their teeth, and violating federal law under FCRA. XXXX  did NOT investigate my complaints and remove XXXX XXXX XXXX ( AND XXXX AND XXXX ) from my credit report. XXXX  lies and people like me suffer and are affected. XXXX is an illegal fraudulent debt, and it WILL be removed from my credit report or I will sue XXXX  and its board members for malfeasance. XXXX  also illegally refused me getting my online credit report for SIX months illegally while making excuses that it was under investigation- I COULD NOT access even my free annual credit report at any time. XXXX  is a bunch of lairs and illegal fraudulent cheats that destroy peoples lives, they will be sued very soon by me. XXXX XXXX XXXX WILL be removed from my credit report immediately, it is FRAUD and illegal and HAS BEEN REMOVED FROM my XXXX  and experian reports. I have reported XXXX  to the CFPB, the DC attorney general, the CA attorney general, and the XXXX. XXXX  KNOWS XXXX well that this is a fraudulent debt, and they refuse to investigate and remove this item from my credit report UNDER 609 OF fcra which is illegal. XXXX  is illegally and fraudulently stating this is a legitimate debt, WHICH IT IS NOT. XXXX  ALSO IS FRAUDULANTLY REFUSING TO PROVIDE ME WITH THEOR FRAUDULANT ILLEGAL REASONS FOR XXXX XXXX XXXX REMAINING ON MY CREDIT REPORT.XXXX  DID NOT INVESTIGATE AND REMOVE XXXX XXXX XXXX FROM MY CREDIT REPORT, WHILE XXXX  AND EXPERIAN DID. DO NOT SEND THIS COMPLAINT TO XXXX XXXX XXXX, XXXX WILL REMOVE OIT FROM Y CREDIT REPORT IMMEDIATELY!! XXXX  AND ITS PRESIDENT AND BAORD ARE LIARS AND CHEATS AND DISCRIMNATES AGAINST XXXX PEOPLE, XXXX VETERANS, AND XXXX PEOPLE, ILLEGALLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX dispute results : Report Number XXXX, on XXXX verified and validated that the day of first delinquency was XX/XX/XXXX for my XXXX XXXX XXXX Credit card. XXXX XXXX XXXX CREDIT FILE : XX/XX/XXXX Confirmation # XXXX, verified and validated that my XXXX XXXX XXXX Cred Card account XXXX XXXX XXXX XXXX re-aging the account by reporting the incorrect date of first delinquency. 

Now two years later they have move up the day of first delinquency to XX/XX/XXXX. This is incorrect information and both credit reporting agencies and XXXX XXXX XXXX refused to investigate properly and correct the erroneous information.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

Experian slow-walks updates purposely. I contacted XXXX  on or about XX/XX/XXXX  to manually update my accounts to a {$0.00} balance as they were paid immediately after the reporting cycle ended AND I am in the process of purchasing a house ( lender requirements ) so all accounts need to be accurate to maintain a suitable credit score. On XX/XX/ XXXX submitted update requests to XXXX, XXXX, and Experian. On XX/XX/XXXX, XXXX and XXXX updated the accounts as requested however as of XX/XX/XXXX  XXXX has refused to update the accounts. Additionally, on XX/XX/XXXX  Experian updated the alerts section of my credit report to reflect that XXXX reported the balance as such on XX/XX/XXXX  - this is typical of Experian when balance disputes are lodged ; they do not investigate rather they simply restate what is already contained in the report from a historical position which is not the legal requirement when a dispute is lodged. I have seen this trend occur with disputes from Experian over the past three years.
Product: Credit reporting, credit repair services, or other personal consumer reports

reviewed my XXXXonsumer Reports and noticed that I had five late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and are responsible for reporting Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be Provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account suddenly reported on my credit and I have no idea what it is as XX/XX/2021 has been paid so this can not be truly a XX/XX/2021 bill as well as I have not received any notification in writing of a debt and it was placed on my credit without my knowledge which violates my rights according to the Fair Debt Collection Practices Act ( 15 USC 1692g Sec. 809 ( b ). I have not been contacted by this office by any forms. Furthermore, they are reporting a debt that has been paid and also in order to attempt to collect a debt in the state of SC a collection agency must be licensed and bonded. This collection agency is NOT licensed NOR bonded in my state which violates the law in State of SC. I request this illegal collecting CEASED and DESISTED immediately and removed off my credit as it is not valid plus illegal collection activity.
Product: Credit card

The Amazon rewards credit card requests me to pay an annual membership fee of XXXX By XX/XX/XXXX, I phoned it, saying that I ' d rather cancel my account than pay the annual membership fee. But the Amazon rewards credit card, every month, still requests me to pay. Now I am asked to pay annual membership fee + late fee + interests, totally XXXX {$.00}
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous XXXX XXXX XXXX XXXX XXXX Balance : {$370.00}
Product: Money transfer, virtual currency, or money service

My Robinhood account was hacked as a byproduct of my email being hacked. The hacker was able initiate a {$1000.00} transfer from our checking account which our bank was able to cancel, but I am now unable to login to my Robinhood account. There is no contact phone number for Robinhood and all email responses have been blanket auto-replies. The money in that account has now been compromised and I have no way of getting in touch with Robinhood to fix the problem.
Product: Checking or savings account

I was sent an unsolicited Brink 's Money Prepaid Mastercard. I did not apply for this card. In the mailed letter sent to my address, it has a bank name ( that is not Brink 's ), an account number, and a routing number all associated to my name and address. This letter also included the Brink 's Money Prepaid Mastercard with my name on it. On the back of this card, the logo for netspend reload is present. I looked online to review these companies listed in the letter and on the back of the card. I contacted the bank first to cancel the account but they said they could not do so because they did not have my information and it was best for me to contact Brink 's Money. I called the customer service number to Brink 's Money and was unable to speak with a live customer service representative. The call had only an automated voice. I either had to enter the card number or my social security number. For more options I pressed star key which prompted to press 1 for lost or stolen card or 2 to request a refund. I was suspicious of these options so I did not enter any card information or ss #. I noticed another number to " OPT OUT '' of future mail offers and proceeded to call. I was not able to speak with a live representative and was forced to enter the card number as my only option to cancel the card. The automated voice said it canceled the card and that it opted me out of future mail offers but I did not receive any confirmation number for this call to cancel the card. I sent an email to XXXX to ask for confirmation. I did not put my personal information, bank information, or card number ; only signed my name at the bottom of the email because they already have my information and did not want to disclose it in the email I sent to them. I am waiting for any kind of confirmation number or letter that it was closed and canceled.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX Currently have some fraudulent inquiries appearing on my credit report. 

XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XX/XX/2023
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate information on my credit report and discrepancies in the payment history of an account with XXXX XXXX XXXX. The details are as follows : Creditor : XXXX XXXX XXXX Current Balance : {$16000.00} Discrepancy : The account is reported as charged off with a balance of {$16000.00} as of XX/XX/XXXX. 
Charge offs must reflect a {$0.00} balance since it was written off and 1099-c distributed. 

Additionally, the payment history provided by XXXX shows inconsistent balance reductions despite regular and extra payments. 
For instance : XX/XX/XXXX : The balance was {$22000.00} with a payment of {$990.00}. 
XX/XX/XXXX : The balance was {$22000.00} after a {$500.00} payment, which should have resulted in a lower balance. 
XX/XX/XXXX : The balance was {$21000.00} after a {$1000.00} payment, which was not accurately reflected. 
XX/XX/XXXX : The balance was {$22000.00} despite multiple payments, indicating that total payments were not effectively reducing the balance. 

Despite my efforts to dispute this information, the credit bureaus and XXXX have failed to correct it.
Product: Mortgage

In XXXX, my husband and I had an M & T Bank XXXX XXXX XXXX # XXXX in the amount of {$25000.00} on our property located at XXXX XXXX XXXX XXXX, XXXX, PA XXXX. We satisfied that loan when we combined it with a first mortgage refinancing through the XXXX XXXX XXXX in XXXX. The property at XXXX XXXX XXXX XXXX is under contract to sell. Settlement is scheduled for XX/XX/XXXX. On XX/XX/XXXX, we learned that M & T bank neglected to file the proper documents with the XXXX XXXX XXXX XXXX  to remove the lien on the XXXX XXXX XXXX property. That negligence is costing us {$37000.00} at settlement. The abstract company is holding back 150 % of the original home equity loan. We have been told that M & T is researching our former loan and will try to remediate their error in XXXX or more days. We have spoken to the personnel in the bank and can not get clear answers about their process or timeline. We are very concerned that they may not pursue this issue with diligence since it is an old loan and at present no-one in their offices can find it in their computers. My husband and I acted in good faith by paying off the M & T loan, and now we are being financially disadvantaged because someone in their corporation failed to do the proper paperwork to remove our liability.