23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am writing to file a complaint against XXXX regarding their failure to redeem my rewards and inability to log in to my account. I previously submitted a complaint XXXX XXXXXXXX to the company and received a response that I should be able to redeem my rewards. However, I am still unable to access my account and redeem my rewards. 

On XX/XX/2023, I attempted to log in to my XXXX account to redeem my rewards. However, I was unable to log in despite entering the correct login credentials. I attempted to reset my password multiple times, but the system did not recognize my email address associated with my account. 

I believe that XXXX has failed to provide adequate support and services to me as a consumer. Their inability to resolve my issue in a timely manner has caused me significant frustration and inconvenience. 

I request that XXXX resolve this issue immediately by providing me with access to my account and allowing me to redeem my rewards. I also request that they improve their customer service and support to ensure that other consumers do not experience similar issues in the future. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity fraud. I placed credit freezes and took the appropriate action. Someone was able use my information at XXXX. This was a hard inquiry on my credit. I called them immediately and let them know my identity was stolen. They would not remove it or refer me to a manager. I called Transunion and faxed my police report and hey would not remove it either. This inquiry is from XX/XX/XXXX and I am still fighting it.
Product: Checking or savings account

On XX/XX/year>, a total of {$200.00} was stolen from my Found Business checking account through three unauthorized transactions made at XXXX stores in different locations. The first charge was for {$51.00} at XXXX PM in XXXX XXXX, IL. Shortly after, a second charge for {$76.00} occurred at XXXX PM in XXXX, CA, and a third charge for {$76.00} followed at XXXX PM in XXXX, CA. I have never been to any of these locations, as I reside in XXXX XXXX, NY, and I still had physical possession of my debit card during this time. 

This was a clear virtual hack of my account, which should have raised alarms due to the impossibility of my card being physically present in three distant locations within such a short time span. Despite reporting the fraudulent charges to the bank, they failed to take any action to resolve the situation. Although the total amount stolen was {$200.00}, the incident occurred during the holiday season, causing significant financial XXXX  for my family. I am deeply disappointed by the lack of security measures in place to prevent such breaches and the inaction by the bank to address the matter.
Product: Credit reporting

I have insisted that this account belonged to my mom. And I never signed any agreement to add me as a co-signer I keep requesting copy of the note or loan agreement and XXXX XXXX will not answer me. So when I dispute it the credit agency does not even investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refuses to investigate and remove inquires that are unknown and not inquired nor authorized by me.
Product: Debt collection

I did a volunteer repo a few years ago. The company sold the car at a auction and the amount I owed was like XXXX now the creditor is saying I owe XXXX this is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im trying to get access to my credit report these people are reporting outdated over 10 years old information and incorrect information about me. Ive tried on numerous occasions to get a new credit report from them but they continuously have a system failure problem. 
Ive sent a copy of my id, a bill, and my social security number to this company last year and I havent received a update regarding my dispute and security freeze.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment entries on my credit report as per the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), specifically referencing 15 U.S. Code 1666 ( b ) concerning billing errors.

Upon reviewing my credit report, I discovered discrepancies related to the reporting of late payments, which appear to be in violation of 15 U.S. Code 1666 ( b ) and 15 USC 1637 a ( a ). These errors include the failure of the creditor to accurately reflect payments made by me or credit issued to me within the stipulated time frame. Additionally, there are apparent computation errors or similar accounting errors made by the creditor on the statements provided. 

It is imperative to note that I did not receive a statement from the creditor at least 21 days before the due date as required by law. Therefore, any reported late payments are unfounded and constitute a billing error. 

I hereby demand that the creditor provides substantial evidence from their records that validates the alleged late payments. It is essential for me to be furnished with concrete proof that payments were not received within the agreed-upon time frame, as failure to do so would confirm the presence of a billing error. 

The erroneous late payment entries listed below must be promptly updated to accurately reflect my payment history : XXXX. Account Name : XXXX XXXX, Account Number : XXXX XXXX. Account Name : XXXX, Account Number : XXXX XXXX. Account Name : XXXX XXXX, Account Number : XXXX XXXX. Account Name : XXXX, Account Number : XXXX XXXX. Account Name : XXXX XXXX, Account Number : XXXX XXXX. Account Name : XXXX, Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

On XX/XX/year> I scheduled a {$250.00} payment to my XXXX card, coming from my checking account at Wells Fargo bank. On XX/XX/XXXX I found out that Wells Fargo returned that payment for no reason. The money was in the account and nothing had changed from the previous month. I make this payment every month. There wasn't any reason for this to happen. I tried to use my XXXX card on XX/XX/XXXX and it was declined for non payment. I never would have known this if I didnt call. Now I am being charged {$30.00} return check fee and additional interest because of Wells Fargo error. I called Wells Fargo and nothing was resolved. They could not give me a reason why this payment was refused. And they refused to cover the {$30.00} fee. 
To make matters worst-this is not the first time this has happened. I have now had enough and will be changing banks.
Product: Debt collection

Identity theft. 
account that are listed is not any transaction that was done by me.
Product: Credit reporting or other personal consumer reports

I REVIEW MY CONSUMER REPORT AND NOTICE THAT I HAD A LATE PAYMENT ON AN ACCOUNT. AND IT THE CONSUMER REPORT AGENCIES HAVE ASSUMED A VITAL ROLE AND HAVE A RESPONSIBILITY TO REPORT CONSUMER INFORMATION TO THE BEST OF THEIR ABILITY WITH MAXIMUM ACCURACY. THE LATE PAYMENT CAN NOT BE USE and by my knowledge this report is inaccurate do to the fact of 15 U.S. Code 1681a - Definitions ; rules of construction a LATE PAYMENT IS NOT INCLUDED IN THIS CONSUMER REPORT AND BY MY KNOWLEDGE A CONSUMER REPORT DOES NOT INCLUDE TRANSACTIONS I PAYED A LATE FEE THAT BEING A TRANSACTION MAKING THIS REPORT INACCURATE PLEASE INVESTIGATE SELF / LEAD AND HERE IS THE ACCOUNT XXXX XXXX XXXX Experian XXXX XXXX XXXX THANK YOU AND HAVE BLESS DAY
Product: Credit reporting or other personal consumer reports

I am filing this complaint because my Early Warning Services ( EWS ) report is incomplete, leading to the denial of my recent checking account application at XXXX XXXX. My EWS file omits several accounts I actively hold with financial institutions, including XXXX, XXXX, XXXX, XXXX XXXX, and XXXX. This absence of data inaccurately impacts my EWS deposit score, which currently stands at XXXX on a scale from XXXX to XXXX. 

The score factors reportedly include the number of recent inquiries and the number of different banks making inquiries over the past XXXX years. However, the factor regarding different banks is inaccurate due to the missing accounts, significantly impacting how XXXX XXXX evaluates my application. When I attempted to provide documentation directly to XXXX XXXX, they referred me back to EWS, which confirmed the missing data in my report. 

In response, I attempted to dispute this issue through EWS, but their standard dispute process is limited to correcting inaccurate or incorrect information already present in the file. My case involves missing informationaccounts that should be listed but are notleaving me without a way to address these gaps. This blocks my ability to receive an accurate score, effectively preventing me from accessing financial services based on complete and fair reporting. 

Additionally, Consumer Finance guidelines grant me the right to dispute incomplete or inaccurate information, which should be investigated and corrected within 30 days. I am requesting that EWS adhere to this correction timeline to address the issue fully, given its impact on my XXXX XXXX application. 

Note on Ownership Structure : Early Warning Services is co-owned by major financial institutions, including XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. This ownership structure raises concerns about potential conflicts of interest in the reporting process, as these banks directly benefit from a system they control. This structure may compromise EWSs ability to provide objective reporting, particularly when financial institutions rely solely on EWS without independent assessment. This interconnected ownership arrangement suggests a possible bias, as incomplete information can lead to consumer denials while benefiting the institutions involved.
Product: Debt collection

The debt collector is trying to collect two separate amounts on my credit report and is purposely garnishing my score by reporting two different collection amounts. I've only received notice about one account. Which I'm still unaware of.

I don't have any representation of the address they have on file as I've never lived at the address being reported. 

I also disputed this issue back in XXXX  when the debt was initially reported through XXXX XXXX, and the dispute was approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following account has violated my rights. 

Account Name Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

8 Years I cant get a New Credit Card Becuse of the Attached Photo of a Extended Consumer alert in my Credit File ====== Can Experian XXXX and XXXX  XXXX please Remove the Extended Consumer alert in my Credit File XXXX XXXX Sent me a Attached Picture of a Extended Consumer alert Please Remove ============== 50 times I sent the 3 Credit Burow pictures of 3 Forms of my ID and the Credit Burow almost never respond other then They Cant verify me or Send ID agin ======= Experian RESPONDED DESCRIPTION OF NON-MONETARY RELIEF According to our records, your Experian credit report does not display a fraud alert.

=== Experian did not Respond about the Extended Consumer alert Experian Please Resond about removing the Consumer alert ======= Ecperian should Remove the Extended Consumer alert in my Credit File XXXX XXXX CEO Banks XXXX XXXX and XXXX XXXX XXXXXXXX robed me {$100000.00} dollers then 40 Bank lawyers say its Imposabale two Comprhend the Bank rob people the bank cant comprhend Robing People 6 years Im a XXXX  living in Forign Countries its Verry Hard two find a Printer two mail the Credit Burrow a letter two Please Remove the Remove the Extended Consumer alert in my Credit File American Banks rob all my Money making me a XXXX  then American Banks block 90 % of my banking dose not Work The Banks Block all my XXXX  Purchase I applied fore 100 new Bank acounts all denied but one Bank that Nothing works CFPB says two call them and The only way two call and American BANK 1800 number Requires a CELL Phone with International long Distance cost {$5000.00} dollers a YEAR
Product: Credit reporting or other personal consumer reports

Fraud and data sharing in credit reporting are governed by laws like the Fair Credit Reporting Act ( FCRA ), ensuring accuracy and consumer protection. Issues include identity theft, synthetic fraud, and data breaches like XXXX ( 2017 ). Consumers should monitor reports, while companies must secure data and comply with privacy regulations to prevent misuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED WITH XXXX, EQUFAX AND XXXX OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DO NOT RECOGNIZE THESE INQUIRES, XXXX, EQUIFAX AND XXXX STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.
Product: Credit card or prepaid card

My credit card was charged for {$360.00} by XXXX XXXX on XX/XX/XXXX for joining their annual credit report membership. The sales representative, who signed me up, took my credit card details on the phone and didn't explained the refund policy. About 10 days later, XXXX XXXX XXXX that they were unable to produce my credit report from Capital One which they had promised me when I joined the membership. After my research I found out that XXXX XXXX is an invalid and fake credit reporting agency who is unrecognized by Capital One and all other banks as a credit reporting bureau. In fact, XXXX XXXX is a collection agency. 

On July 27, 10 days before my membership, XXXX XXXX sent me a fake credit report by fabricating my previous 9-month purchases from the debit card and showed them as a credit on the credit report. The same report was shown to me even after I joined the membership which didn't benefit me at all. This was a fake report which I reported to Capital One and placed a dispute on the charge after cancelling my annual membership with XXXX XXXX on XX/XX/XXXX. I had also sent two letters to XXXX XXXX and attached the evidence of the fake credit report from XXXX XXXX. Despite of the fraud, Capital One is in favor of the XXXX XXXX side and recently placed the charge back to my Master Card and compelled me to pay the sum.
Product: Mortgage

On XX/XX/20 Loancare processed a duplicate mortgage payment in my XXXX brokerage account. The charge was for {$1400.00} which is my correct monthly mortgage payment. 
Details of the transaction are as follows " XX/XX/20 DIRECT DEBIT LOANCARE SERV MTG PYMT {$1400.00} '' Tracer # is : XXXX. 
I had already made my mortgage payment of {$1400.00} through another bank on XX/XX/20. 
Loancare has been contacted over 5 times by phone and 9 times by e-mail/message on this issue and they refuse to acknowledge the payment or respond in any way. 
I would like loancare to return the payment plus interest or credit the payment to my account as of XX/XX/20. 
Thank you
Product: Credit reporting or other personal consumer reports

My personal data was leaked in several data breaches. I use XXXX XXXX to monitor my personal information and I was informed that my personal information such as Social Security number, date of birth, name and address were leaked. Also the balance on the credit card accounts could include fraudulent purchase and fees. Per the Right to Privacy Act 15 USC 1681 my information should have remained secure and never reported on any credit report without my consent. 

The accounts in question are as follows : XX/XX/XXXX Account # ending in XXXX {$3600.00} Discover Account # ending in XXXX {$11000.00} XX/XX/XXXXXXXX Account # ending XXXX {$9800.00}
Product: Debt collection

I am a victim of Identity Theft, and my information is being stolen and exposed in the data branch.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint against three credit reporting agencies for continuing to reporting a bankruptcy which that was verified through a third-party. not from my own filings or from a court. This is a violation of my rights as a consumer and a violation of the Fair Credit Reporting Act. This violates Section 603 ( q ) ( 3 ) ( A ) ( i ) ( I ) of the Fair Credit Reporting Act ( FCRA ) which states that a credit reporting agency shall not furnish any items of credit information unless the source of such information is a person who has been certified as an agent of such agency. 

Furthermore, similar court cases, such as XXXX v. XXXX XXXX XXXX XXXX XXXX ( 2011 ) have also found such practice to be in violation of the FCRA. In this case, the court noted that the credit bureau must get its information directly from a certified source to provide accurate information. Therefore, I believe the credit bureau should not have reported bankruptcy which was verified through a third-party and violated my rights under the FCRA. 

I demand that the credit bureaus immediately remove the bankruptcy entry from my credit report. In addition, I demand that you provide me with an updated copy of my credit report. Furthermore, I demand that you provide me with a written apology detailing your mistake and the corrective action taken to address this issue. 

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

I am XXXX XXXX XXXX I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax.Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is still reporting on my account XXXX XXXX XXXX XXXX XXXXXXXX {$1000.00}
Product: Credit reporting or other personal consumer reports

I was a victim of identity thief as well as a victim of the Equifax data breach. My personal information was compromised and misused. There are accounts collections and inquires that are on my report and XXXX and Equifax will not remove them.
Product: Credit reporting or other personal consumer reports

I asked the XXXX XXXX to do a verification of everything on my XXXX XXXX  and they did, they stated that everything was accurate. I then did a through research myself and found improper inaccuracies on the credit report after the XXXX  through investigation. All XXXX XXXX  are reporting different scores and accounts which is XXXX 

" I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Payday loan, title loan, personal loan, or advance loan

I first noticed this loan was located on my credit report in XX/XX/2023. I contacted Oppurtunity Financial around that time to send all information but did not receive anything. I contacted them again on XX/XX/2023 & XX/XX/2023 & requesting information concerning this loan. I have yet to receive anything. The loan states it was opened on XXXX/XXXX for {$1700.00}. This is not my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have over the past 9 months been trying to get inquires and trying to get incorrect XXXX XXXX and XXXX XXXX information of my credit report I have been a victim of identity theft and have been in 17 data breaches and I have also had money taken out of my account sometimes the banks give me the money back sometimes they do not. I was hit from XXXX XXXX XXXX  several times my credit has inquires that are not mine i have filed reports and ftc reports disputes after disputes and keep spending money after money and they are not doing what the consumer law states. I give them disputes of information to take off then they add information. there is even right now a double fraud alert with all bureaus and i have file a police report and i have a active claim with XXXX with the credit collectioon ad still nothing. I have been more than patient i demand that these off my report. police report XXXX XXXX XXXX pages of issues with all the reports and they are not doing anything about it. XXXX is getting the report. tomorrow XXXX XXXX XXXX. I depand that all the XXXX XXXX and all the information names and jobs get taken off immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX : Account number : - XX/XX/2019 Account Number : XXXX Account Name : XXXX XXXX XXXX : Account number : - XX/XX/2019 Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this