23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2023, I became aware after trying to use my Discover Card to buy gasoline that my account, which I had for over 5 years in perfect standing had been closed for reasons that the customer service team falsely made up. They claim they couldnt verify my identity, even though I have lived at the same address for many years, made timely and frequent large payments on the account to keep my utilization low at all times without any errors or mistakes in the entire history of the account. I never received any correspondence from them online, or by mail. If something was so important that they needed to reach me immediately they should have overnighted or sent a letter via certified mail, NOT regular mail. This just goes to show how outdated and pathetic their service is compared to other companies who employ modern technologies to communicate with customers. 

I believe myself to be the model credit card customer and take pride in maintaining a perfect credit history. I wasted over 2 hours on the phone, being transferred to multiple wrong departments and nobody could tell me why my account was closed. This is now affecting my perfect credit standing, dropping me over 40 points because the accounts are closed with a balance on them, making the card look like its totally maxed out. 

Additionally, I had over {$150.00} in rewards on the account that I can no longer use. To get these rewards, I had to spend over {$10000.00} in purchases. This is very wrong on so many levels. I have never been treated so unfairly by any card issuer and I have dozens of accounts with all major institutions who have never given me any problems like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX  Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX XXXX Account number XXXX XXXX, XXXX XXXX Account number : XXXX, XXXX XXXX XXXX  Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

DIGNIFI XXXX THIS IS A ACCOUNT THAT DOES NOT BELONG TO ME. 

I HAVE FILED A THEFT REPORT AND SENT TO THE CREDIT REPORTING AGENCIES.. 

XXXX AND XXXX NEED TO REMOVE THIS FROM MY FILE. 
IT HAS A XXXX BALANCE. I HAVE NO IDEA WHO THIS ACCOUNT BELONGS TO AND ITS STOPING ME FROM GETTING A NEEDED MEDICAL PROCEDURE. I WILL MOVE FORWARD WITH LITIGATION IF THIS IS NOT REMOVED.
Product: Credit reporting or other personal consumer reports

I did not give this company ( US BANK XXXX XXXX ) permission to pull my credit.
Product: Mortgage

I am a XXXX and I have a client that was purchasing a home. They went to the internet and were looking at lenders and happened to see this lender on XXXX. ( I had given them 2 or 3 names to  call ) Anyway he contacted this lender called Southwest Funding and he sent them a pre-approval letter and told them the docs they needed to send him. We wrote an offer on the same day which was XX/XX/XXXXthe buyer proceeded to send all the docs the lender asked for. Closing date was originally set for XX/XX/XXXX, we had to extend and extend it as the lender kept asking for other docs. The lender knew there was to be a gift letter so they waited until after the 2nd extension on the loan to even ask for the gift letter and it took them 2 days to get the form for it to them. Also they said they had to verify where he had worked two years before his last job by phone although they had his tax record, a copy from the IRS and his W-2. They also failed to sent them an estimation of the cost ( formerly know as a Good Faith Estimate ) from XX/XX/XXXX until XX/XX/XXXX. ( This is a violation of the FHA regs ) When the house did not appraise the seller agreed to the sell the home at the appraised value we then changed the sales price, got the docs signed and sent to the lender and they never sent another estimation of cost. Southwest Funding ( XXXX XXXX, owner and loan XXXX ) told her verbally on the phone she would have to have {$3100.00} to {$3800.00} at closing, then we got all of that worked out they then said the lender told them they needed to bring another {$1600.00} plus payoff a credit card. This client had done everything Southwest Funding had asked, had paid for an appraisal, home inspection, credit reports and had to extend their temporary living arrangements several times to the tune of approximately {$1200.00}. When I spoke to XXXX XXXX to ask why they had not been more forthcoming with the information he was very rude and offensive. He has not followed the guidelines set by FHA nor has he been honest in his efforts to get this loan done.
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 Bankruptcy Account Number : XXXX Account Name : XXXX XXXXXXXX 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: Credit reporting or other personal consumer reports

My report is reflecting several negative accounts, including debt accounts as well as charged-off accounts. These accounts reflect, through an IRS tax transcript, being discharged with a 1099-C and are considered a certificate of indebtedness, which is considered income. Income can not be reported on my credit file, per the FCRA. The accounts in question are as follows :. ( XXXX XXXX XXXX acct # XXXX ) ( XXXX XXXX XXXX acct # XXXX ) ( XXXX XXXX XXXX XXXX acct # XXXX ) ( XXXX XXXX XXXX acct XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX acct XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXXXXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was exposed during an XXXX XXXX XXXX. XXXX removed the late payment account on XX/XX/2023. XXXX XXXX entered the account and blamed it on the creditor. My information was compromised and led to unauthorized charges on my XXXX account. I have disputed this account with the credit and XXXX with no results.please see XXXX claim, and etc report regarding this account. this account does not have my accurate name. this account is unverifiable and late payments are not to be reported due to leak of my personal information
Product: Debt collection

Called regarding changing payment details for state tax debt they have and they did not inform me that they no longer hold the account. When requesting number for state to find out how to pay balance due, " customer service rep '' got an attitude and hung up before providing information. 

Called back and put on hold and hung up on again.
Product: Credit reporting or other personal consumer reports

To my absolute disbelief, I found inaccurate accounts on my credit report this evening and Im baffled as to how this could have happened. I regularly review my credit, but this time, things were off. I even refreshed my browser to see if it was a technical issue, but the false accounts remained. I need the documents Ive sent to be checked thoroughly so that I can stop worrying about this once and for all.
Product: Credit card

Someone else who had access to my phone used my credit card without my permission to purchase something and I called the bank to open a dispute but they said the purchase was made from my phone. I know that was made from my phone but I never authorized that.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX PLEASE UPDATE MY PHONE NUMBER NUMBER TO MY FRAUD ALERT : XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX XXXXesident typeSingle family XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX Resident typeSingle family Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the pa

st six months. Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX
Product: Student loan

I tried requesting a forbearance as I am unable to make payment on account due to financial hardship. The servicer is requesting that I make payment on account to " possibly '' receive a forbearance. 


ECSI responded with the excerpt below : This is an outgoing email only, please do not reply. See below for ECSI contact information. 


Thank you for your recent application for Forbearance. The following information is needed to make a decision on your application : You need to contact Customer Service to pay the past due interest. Once the payment is made, you may resubmit the application Please send this information to the following address : Heartland ECSI XXXX XXXX XXXX XXXX XXXX, PA XXXX You can also update your documents under your account. Please sign in and go to the Account Overview to find your entitlement status under your loan and update documents there.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/year> - BALANCE {$380.00} Account Name : XXXX XXXX XXXX DATE OPENED XXXXXXXX
Product: Debt or credit management

Debt was sold to a debt collector without my permission. 
I request that the FTC investigate both the XXXX and SST systems and services technology for potential violations of consumer protection law, including unauthored deft transfer and deceptive practices.
Product: Credit card or prepaid card

I have applied for the Victoria Secret Credit Card ( for the promotions as advertised on their website and in-store ) XXXX ( XXXX ) times over the past XXXXhree ( 3 ) months. Each time they claim that they will send a " letter in the mail in 10-14 days to give an explanation '' and each time I NEVER receive any communication or letter as stated. I have contacted Victoria Secret multiple times on XX/XX/2022 to see exactly what they need me to do ( as I have a credit freeze ). I was told that I needed to remove my credit freeze with XXXX and XXXX, ( which I did ) and reapply to get the same message. I believe at this time Victoria Secret has a fraudulent and/or deceptive process in processing applications. They do not seem to have a department that actually handles application and their customer service reps just repeat what's stated on their website " wait the 10-14 '' days and I expressed multiple times I NEVER receive any letter. This is ridiculous. Once again I miss out on their promotions.
Product: Mortgage

I WAS DOING REFINACE WITH COMPANY BECAUSE A I HAVE VARIBLE RATE AND TRY CONVERT MY LOAN  XXXX  YRS FIXED, THEY TOOK FOREVER NO RESPONSE SO I TOOK DOCUMENTS FROM THEM AND HIRED SOMEONE ELS TO DOIT AFTER THAT THEY GET MAD CASUE I DID NOT FINISH REFINANCE, AND THE GIVE BAD REFERRALS TO OTHER COMPANY I SPEND  XXXX  FOR APRASSAILES DID NOT COMPLETE REFINANCE THANKS TO THIS PEOPLE AL BAD REFERENCES NOW I GOT STUCKED WITH MY LOAN CAN DO NOTHING ABOUT
Product: Debt collection

Would like information on debt validation and ownership including any itemized bills from the creditor. thank you.
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC 1681. 

XXXX XXXX # XXXX, XXXX BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 15 USC 1681 section 602 A, 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.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account " XXXX '' XXXX is a fraudulent account so I disputed it with the bureaus XXXX and Experian multiple times. 

These bureaus claim they have verified the information is accurate, however one can see by looking at the reports this is not true as the " date opened '' information is conflicting. 

The " high balance '' is also conflicting The " date of last activity '' is also conflicting, so there is no way possible both bureaus verified the information as accurate. 

See a recent copy of my credit report reflecting these inaccuracies attached. 

To add insult to injury, I have submitted a copy of my identity theft report ( attached ) to these bureaus twice and they still report the erroneous fraudulent information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been informed that there is a negative and unauthorized item placed on my credit report which is maintained by Transunion Consumer Relations alleging that i owe {$2500.00}. Section 609 of the Fair Credit Reporting Act clearly stated that it does not matter whether an account is valid or not, Credit Reporting Agencies does not have the right to report adverse item on somebody's credit account without prior authorization from the owner of the account. 

If in fact the alleged reference negative account was reported correctly, do Transunion Consumer Relations have the Legal Right to report delinquent, adverse and negative item on my credit report without my authorization. I humbly request that Transunion Consumer Relations provide me with any documentation bearing my original wet ink signature authorizing Transunion Consumer Relations to place that negative account in my credit report. In the absence of such written authorization, i humbly demand that XXXX Consumer Relation delete that negative account Immediatly
Product: Money transfer, virtual currency, or money service

Dear Regulator, A Company ( the details provided below ) having and account in Bank of America running an XXXX scam. I am living in XXXX XXXX, where I work in XXXX XXXX The below company offer education courses ( as per their marketing emails ), and once information provided by me they have sent me an email for courses details which i never responded not agreed to take part in this program. Later the people engaged with this account called me ( XXXX XXXX  ) and threatened me over the call that we have arrangement with XXXX XXXX XXXX ( Government ) and on behalf of XXXX XXXX XXXX we have booked a seat for you. If you haven't paid the fee there will be legal consequence from Finance Division of United States Education Dept ( as they mentioned on your letter head as attached ). Under this pressure I have paid a cancellation fee XXXX XXXX XXXX and just after the call I released that its scam. I called my Bank and logged the complaint in XXXX XXXX ( XXXX XXXX Bank ) to stop the XXXX transfer. I am following up with the XXXX however the funds has already been remitted to bank of America at below account. I have attached the the fraudulent cancellation invoice and payment details for your reference and seeking your support.
Product: Debt collection

The amount is {$790.00} Original collector is XXXX  XXXX Sold to lvn funding Who sold to XXXX On XXXX XXXX I reached out to XXXX funding who informed me that my personal information didn't match in there system. 
The company informed me that the debt had been sold again to XXXX, I also reached out to XXXX in regards to the debt, this company marked the bebt as fraud, they informed me that they would be reaching out to Lvn funding to have the account removed from my credit report.
Product: Mortgage

In reference to complaint submitted #  XXXX  the SLS company response does not address the issues of previous complaints. We do not understand this response.   The company refers  to two earl ier written communications but did not provide the copies of them.
Product: Mortgage

I was approved for the XXXX XXXX XXXX XXXXXXXX from XX/XX/XXXX until XX/XX/XXXX. It was reported on my credit that I was late in XXXX and XXXX of XXXX. I requested for this to be removed from my credit. It was also reported in their loss draft department that I was behind on my mortgage during the time that I reported a loss. After speaking with customer service reps they gave me a lot of contradictory information and yet still no results. This issue has not only dropped my XXXX XXXX it has caused a delay in receiving my funds for my out of pocket expenses that I paid for all of the repairs. The hold up of these funds has been almost a year and repairs are complete. I have done everything on my end to the point of XXXX 

I would also like to address that during this process my taxes got added to my monthly mortgage payment and it was't like this before the program. I have owned my house for XXXX years and alway paid my taxes independently.
Product: Vehicle loan or lease

I am writing in hopes that I can get my automobile title situation resolved as quickly as possible and would appreciate your assistance and investigation into this matter. The vehicle I am writing about is a XXXX XXXX XXXX - VIN # : XXXX. I was at the end of my lease on the XXXX from Hyundai Motor Finance and I decided to payoff/purchase the vehicle instead of returning it. I requested a payoff quote and mailed Hyundai Motor Finance a cashier 's check in the amount of {$10000.00} on XX/XX/XXXX. Hyundai Motor Finance received and applied the check to my account on XX/XX/XXXX. The only document I received from Hyundai Motor Finance for proof of payoff was a Paid In Full Letter ( attached below ). I asked if needed anymore documents in order to obtain my vehicle title and a representative told me they had submitted an electronic release of lien to the TxDMV. Unfortunately, I have attempted to obtain the title of the XXXX XXXX for the past year now with 2 visits to the XXXX XXXX  Tax Office in XXXX, TX with the representative telling me they have received no electronic release of lien from Hyundai and that Hyundai Motor Finance was still the owner of the vehicle. They told me the Paid In Full Letter and my copy of the cashier 's check was NOT enough documentation to complete the title transfer. Can you please help me obtain the vehicle title for my XXXX XXXX? I have tried in good faith to have Hyundai confirm they had already submitted an electronic release of lien to the TxDMV and there was nothing else they can do for me. I have read many other horror stories online on XXXX forums with other consumers having the exact same problems with obtaining vehicle titles from Hyundai Motor Finance. I am NOT alone in this predicament. It was recommended in those forums to file complaints with the XXXX and CFPB describing my situation as I am doing now over 1 year and 3 months later! I would appreciate a quick response to my inquiry. Please contact me at XXXX or on my cell phone at XXXX with any updates/next steps. Thank you for your assistance in this matter.
Product: Credit reporting or other personal consumer reports

Experian committed unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 by ( 1 ) failing to convey consumers disputes to furnishers fully and accurately, and instead distorting, truncating, and mischaracterizing consumers disputes ; ( 2 ) relying excessively on furnishers to resolve disputes, routinely doing nothing more than sending the dispute to a furnisher and implementing the furnishers response, despite having evidence of that furnishersunreliability ;