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

Hello to who it may concern ; Hi well i was looking at my credit report and i find out incorrect information of me and the only information you should have on my credit report should be the following only. 

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX : XX/XX/1986 Any other information thats not accurate to what i just told you in this letter i want it removed as soon as possible and i mean it as soon as possible please and thank you.
Product: Credit reporting or other personal consumer reports

I received a capital one silver card with a limit of {$500.00}. 
Capital one allowed a merchant that I had done business with in the past to charge an additional {$1300.00}. 
I disputed the amount. It was incorrect. And, my limit was only {$500.00} and I did not approve this transaction. 
When i got the bill I attempted to make a minimum payment on the total {$1800.00} so that I dont get reported late. While, trying to resolve the balance. However, capital one insisted that I pay the entire amount above the {$500.00} limit at once. I was unable to. And, they reported me late and closed my card. This has made my credit score drop XXXX points. I took them to small claims and agreed to pay in full just to remove this negative on my report. The lawyer was adamant that his client wont settle. This is their tactic to make money off their client. Losing my credit has made my life a living hell.. I should have been allowed to make minimum payments so not to be reported late.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.and according to 15 USC 1681s-2 they are suppose to 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

I have requested my credit report from TransUnion several times over the past 3 months. TransUnion refuses to send me my credit report or allow access to my credit report online. I even sent a letter to XXXX XXXX with a request to remove the block from my credit report that would allow me access online. XXXX XXXX is the one who gave me the instructions on how to have this block removed and he promised to send me my credit report. This has not been done.
Product: Money transfer, virtual currency, or money service

XX/XX/2020 i open paypal account for unemployment. Insurance. XXXX2020. Paypal locked my account and sent a email stating I was no longer allowed on paypal and any funds would be held 180 days per the agreement. After which my monies would be released via email notice. The time period has passed i still cant access my money so I ha e no means mid covid. I have all the emails. When i ate t to contact paypal igetrun around and computer generated replies rhat dont ha e a thing to do with my issue and thsy know this.
Product: Debt collection

XXXX  XXXX XXXX SC XXXX ( XXXX ) XXXX XXXX Account # XXXX Open XX/XX/year> My Identity was stolen and my information was used without knowledge or approval, and this account show multiple on my credit report and also sold to a collector. 15 USC 1602 ( g ) ( 2 ).
Product: Credit card

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I applied For a House to Rent & Was Denied I Checked my Credit report & Notice Fraudulent activities on my account. I Have 1 Hard Inquiry that I never committed I Called trans union to dispute the inquiry they encourage me to filed out this Form This is the 1 inquiry Im disputing XXXX - XX/XX/year> - Yes I contacted all companies as well they inform me they will look into it, I just Need these Inquiries removed off my Credit thanks
Product: Credit card

I was using my credit card to pay for parking with an online parking app. My credit card information was stolen in the process and a fradulent charge was made. The credit card company, US Bank, suspended usage on that card and sent me a new card. A week later I tried to use the new card, but the charge did not go through. I called US Bank and the customer service person informed me the account was closed, but couldn't or wouldn't tell me why. I then asked to have my rewards balance of {$600.00} sent to me. The customer service person transfered me to the verifications department. This customer service person told me the account is closed and could not give me my awards balance. I asked why and the response was " I am not authorized to give you that information ''. I asked who can give me this information. She gave me an address to write to. A XXXX XXXX XXXX I wrote a letter and sent it to the address XXXX weeks ago and have not received a response.
Product: Checking or savings account

On XX/XX/2024 I called customer service to open XXXX disputes on my debit card, XXXX {$1200.00} XXXX {$1200.00} The bank provided provisional credit, but after a couple of weeks later that provitional credit was reversed. 
I never received any letter or correspondance requesting more information. 
I called agaon on XX/XX/2024 to reopen the case and also I still dont receive anything from the bank on my mailling address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written XXXX letters to XXXX ; XXXX in XXXX XXXX & XXXX in XXXX XXXX to have them remove numerous out dated accounts over XXXX old still being reported and/or on my credit report, many incorrectly reported status of accounts that are not in collections and/or XXXX yrs in state of NY expired alleged debt are still on there.
Product: Prepaid card

I received an American Express prepaid gift card as a gift from a friend. I activated the card and confirmed online that the full amount ( {$500.00} ) was showing up. 

On Monday, XX/XX/XXXX, I attempted to use the card for the first time. Before going to the store, I once again confirmed that the card was active by going to their website : AmexGiftCard.com/Balance. 

I went to XXXX XXXX XXXX ( physical location ) and attempted to use the card, but it was quickly declined. The sales associate tried two more times, both manually typing in the number instead of swiping, and then using a different computer/register. The second and third times both declined as well. 

At this point, I contacted the Customer Service number on the back of the gift card ( XXXX ). The first individual I spoke to confirmed that the card was activated and ready for use, and told me that he saw the transactions I attempted. However, the card declined for my own security. I asked him to please release the transaction, as you would do with a credit card, but he said that he did not have this capability. All he could do was see it, and he recommended that I " go use it somewhere else. '' He advised that I may have better luck with an online retailer where I could manually type in the card number, expiration date, and XXXX XXXX. I made him wait on the phone with me as I attempted to use it at XXXX. This transaction was also declined. 

I continued speaking with this gentleman for about XXXX minutes trying to make any sense of the situation. He continued to explain that they put security parameters on the card to make sure that the transactions are legitimate. This was to protect the card holder, so that they could not " confirm '' it was me. I asked whether I could register the card on their website thus proving that I was in fact myself. However, American Express gift cards do not have a registration option. Therefore, this concept is completely useless. 

Unable to get anywhere with this individual, I asked to be transferred to his supervisor. He informed me that the supervisor would tell me the same thing three times before he finally agreed to connect me. The supervisor came on the phone and regurgitated the same three pieces of information to me as her predecessor : 1. The card was indeed active and had {$500.00} on it, and that American Express allows me to use it almost anywhere ; 2. The card was declining for security reasons for my safety, and XXXX. They had no ability to release the transaction. She then advised me to try it somewhere else. I ended the call and left the store without making a purchase. 

On XX/XX/XXXX, I went online and attempted to make a purchase on XXXX, which declined. Then I tried to purchase a XXXX XXXX XXXX XXXX online so that I could maybe actually use this money. That also declined. 

After a quick Google search, I was led to a number of sites and blogs where hundreds of people were complaining about the same issue with American Express Gift cards. That they are unable to use them anywhere, and that the best course of action is to file a complaint. So that is where I am today.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  American Express XXXX  These were just a few I noticed I didn't apply for called company didn't remove
Product: Credit card

XXXX and XXXX. Purchased a mattress, purchased their warranty, right away it was effective. They told me I had to wait 30 days. Waited came in 30 days later picked out a lessor expensive matress : they gave me the hardest time. So I ordered something else and did not take delivery. Requested a refund, made a XXXX payment and they never applied it to my CC they are holding it on the account. I will never buy anything from this store again. I demanded a call back, nothing and demanded my {$500.00} be applied to my cc has not. I want my {$500.00} either returned to me asap or sent to the XXXX company.
Product: Credit reporting, credit repair services, or other personal consumer reports

What happened? Received email from Equifax, Trusted ID service telling my husband there was a balance change on an account of which he is totally unaware. Called Equifax as instructed on the email he received. Equifax 's 'Protection Specialists ' ARE ONLY available to help M-F! 

Seriously, Equifax created this problem and can only help us M-F! 

We have to wait an entire weekend when somthing awful can be happening with my husbands credit. 

Can you help get faster and 24/7 service for American consumers? 

Thank you
Product: Student loan

It appears that the payments I 've been making over the past two years have no been fully applied to my account. On my tax information it also appears that the interest I 've been paying has been miscalculated as well.
Product: Debt collection

Despite noting that the debt was paid and that they are no longer reporting it ( complain XXXX ) XXXX XXXX continues to report this collection with an incorrect balance to XXXX and XXXX. The original creditor has been paid.
Product: Debt collection

I found this company lvnvfundg/sherwan company on my credit report trying to collect a debt {$600.00} from me. Which has brought down my credit score drastically I found their number called them with the intention of : -finding who the creditor was -and paying the debt to help my credit score as well The customer service representative I spoke to commenced to aggressively try to sell me credit repair services.

I ask him what debt this is? He cut me off and keep on the script he was reading. 
I ask again. Who And What company is this? He cut me off on the sales spin. I got a little worried about this. 

I researched deeper and found that this company is in lawsuits everywhere and no website anymore things like that. 

Can you help me with this situation. this is the first for me Thank You so Much Sincerely XXXX XXXX
Product: Debt collection

Since 2019, this is the last debt collector. 
Called, harassment me. Appears XXXX XXXX. Always was an mistakes never correct my last name. 
I lost my job in 2019, search for one. I don't have the lucky have a job. I can't paid.
Product: Debt collection

I was used as a reference for someone, and when the company could not reach the original person, they started calling me. This a collection of which I have no knowledge. I passed the message along and expected the calls to stop. Even after explaining that I had passed the message along, and wanted them to remove my number from their call list. They still call, over and over!
Product: Credit reporting or other personal consumer reports

Hi, I disputed a hard inquiry with Equifax. The hard inquiry was from XXXX XXXX due to identity theft fraud by someone trying to open a credit card with my personal information. XXXX XXXX marked the credit card application as fraud. I had a fraud alert open and that did nothing to prevent this. 
Other credit bureaus removed this hard inquiry because it was due to a fraudulent identity theft application. 

Equifax is refusing to remove the hard inquiry claiming that it is a factual access to my credit report by XXXX  XXXX and will remain for two years. I dont understand why my credit should be affected by fraud. I am the victim of this crime yet I have no recourse with Equifax. I have no control over the countless data breaches that give access of personal data to criminals and their subsequent crimes. 

Thank you for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised so I disputed the many unauthorized accounts on my credit report. However, the 3 major credit bureaus response was account been verified. Now in this complaint I'm requesting the Method Of Verification, who verified it, what date, what time, inwhom did they talk to, and where's the physical documentation as stated in the FCRA, inwhich as a consumer and a victim of fraud I'm entitled to. The following accounts I'm requesting this information for are as following ( 1 ) XXXX XXXX, {$860.00}, ( 2 ) XXXX XXXX XXXX, {$1200.00}, ( 3 ) XXXX XXXX XXXX XXXX, {$1500.00}, ( 4 ) XXXX XXXX XXXX, {$6200.00}, ( 5 ) XXXX XXXX, {$740.00}, ( 6 ) XXXX XXXX {$740.00}, ( 7 ) First Progress Card, {$390.00}, ( 8 ) XXXX XXXX XXXX, {$0.00}, ( 9 ) XXXX XXXX XXXX, {$0.00} ... .. Again, I'm requesting the Method Of Verification, and/ or block and remove all the above accounts.
Product: Checking or savings account

O n   XXXX   XXXX     2017 I we nt to my local grocery store (   XXXX   ) at approx  XXXX  at that time ... .according to m y mobil app  with bank of Americ a ... .. my  balance was {$52.00} ... my purchases totaled {$24.00} ... later that night after the store was closed ... approx  XXXX , I went to Bank of America ATM on  XXXX   XXXX  and  XXXX   XXXX   XXXX  NY  XXXX  where I withdrew {$20.00}. I DID NOT get a notice from the ATM during the withdrawal that this transaction would " exceed the balance thus incur a {$35.00} charge '' ...  ..The next day I receiv ed my routing morning text message notice stating that my account is overdrawn by {$46.00} ... I went to the computer and discovered that the {$35.00} over draft fee was the cause of the overdraw.     I made a call to B of A ... .their explanation was that what I am able to see on my app as well as my online banking is not accurate and that at the time I went to the grocery store there was only $  XXXX  .and     chance ... but NOT the {$52.00} that both my online banking as well as my app reflected. Despite my protest they are unwilling to reverse the {$35.00} fee
Product: Checking or savings account

On XX/XX/year> I called the bank after I had gotten off work and checked my account to see {$800.00} withdrawn out of my checking account. I did not do the transaction as my wallet with my debit card was stolen from a visiting site location that I was at for work the day before. Ive reported this incident to the police and was given a case number XXXX XXXX XXXXXXXX Police Department.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX 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
Product: Credit card

I ordered a shoe on the XXXX app on XX/XX/year>, which cost {$330.00}. The shoe was estimated to be delivered on XX/XX/year>. Fortunately, the package was updated to be delivered the next day XX/XX/year>. I made myself available to as to receive the package. I was at home tracking the XXXX  carrier. Suddenly, I heard honk from outside. I rushed out, it was a XXXX van hoping that my package had arrived. Unfortunately, the driver told me he didn't have my package, that there was a little bit of delay on that day. I went back inside, while I was waiting for my package. I checked my phone my package status had been to delivered. I checked front of my house, and rear door as instructed in the delivery manager, the surroundings, I asked my neighbors and I could not find my package. I called XXXX, called XXXX. They opened a claim, I had to order a new shoe of the same type pending time the case will be resolved. After several weeks, the claim was denied and they said the shoe was delivered. I have disputed the transaction three times with my credit company and all denied
Product: Debt collection

I had a perfect record with a score of XXXX when all the sudden it dropped to a XXXX over night from a delinquency stated XX/XX/XXXX that was not reported until XX/XX/XXXX, this year. I am looking to buy property within the next 2 years in California as I have been a California resident for a long time so this naturally devastates me. The reporting collectors, Paramount Recovery Systems, did not report the delinquency until five years after the date of the medical service. Paramount did not contact me when the 5 year old " delinquency '' showed up on my report either and I found out because I routinely check my XXXX score through XXXX every other month or so. Back when this service was performed, I had settled what I owed to the original Medical company and they did not reach out to me after that point with any further bills or mail at all. This was because we had settled that payment completely. Paramount has since bought that companies debt and is attempting to reap money out of falsified debt reports that they have created five years later. The fact that the original company has not contacted me since the original time span of the services proves that the payment was accepted and settled. It is not right or fair, five years later, for Paramount Recovery Systems to attempt to falsify delinquencies to reap more money. I have disputed the account with credit bureaus, however, I need further help against this matter. The fact that the original XXXX XXXX XXXX has not made an attempt to contact me in 5 years proves that this claim is being falsified by Paramount Recovery Systems. Please let me know if you or anyone in your office can help me fight this. I have disputed the account to credit bureaus and Paramount has somehow come back with falsified documentation for the account that I am attempting to dispute. I am a good citizen with a clean record and otherwise perfect credit score looking to buy property within the next few years and I do n't want my future to be severely hindered by this falsified credit report due to Paramount Recovery Systems. Attached is the copy of my credit report including the falsified account by Paramount Recovery Systems. Please note everything else on my credit history is completely perfect and I have never missed a single payment in my entire life.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for falling to propery investigate miy disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. these are the inaccurate accounts XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Tax lien {$2600.00} Status Unreleased & XXXX XXXX XXXX {$10000.00} Unsatisfied were both discharged through bankruptcy XXXX XXXX 2016 but still show on my XXXX & Experian Credit Report. I am trying to get a mortgage loan but need this cleaned up. It took me several days to finally be able to report the disputes. I still can not access my free credit report from XXXX. I had no problem with XXXX, it was resolved in less than 12 hours. I have a XXXX ill XXXX son living on the streets that I need to help with housing. It is vital that the credit reports are cleaned up as soon as possible.