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

In XXXX of this I was giving a Vanilla Visa Gift Card for {$250.00}, In XXXX of this year I place an order for {$210.00}. The order was not processed so on XX/XX/2021, I log in to check my balance and found a fraudulent XXXX change for {$32.00} on my card. I called the phone number I found online for Vanilla Visa Gift card ( XXXX ) and filed a disputed ticket case id # XXXX. I received a dispute packet, filled out the 2 forms and sent them back to XXXX as requested on XX/XX/2021 at XXXX XXXX. I received another email a week later asking for the same forms again, which I sent that day. This morning I called the phone number to find out the status and was told it could take up to 90 days for an answer. So, I ask what about my {$210.00} and was told I could get a check for the remainder in 7 to 10 days, but I forfeit the reminding {$32.00} if this put when my way.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts showing on my personal profiles are not valid accounts and are Fraudulent in nature.
Product: Debt collection

Enhanced Recovery Company has not verified a debt they clam I owe, and they are not licensed in the state of CT to pursue any debt collection.
Product: Checking or savings account

I opened a wells fargo account. This was going to be my savings account that I wouid just put money into. I made around XXXX in deposits. My roommates ex friend stole my bank cards, my atm pins, account info and passwords as they were all in XXXX lockbox. As soon as I noticed the cards were gone I contacted wells fargo and canceled my card and told them about the fraud. I had no notification come up on my phone and within a day all my money was gone. I found out later he had hacked into our phones as well. They denied my claim and this was my hard earned money I was trying to save up. He has since disappeared and now I'm left with nothing in my bank account this all happened on XXXX and XXXX from what I believe. This is crazy I need my money back! Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft XXXX XXXXXXXX XXXX  Account XXXX : XXXX
Product: Credit reporting or other personal consumer reports

XXXX has my student loans on my report as negative and late payments. They have XXXX on there which I never owed because it was always in forbearance, and now the company isn't even operating and it's still on my credit XXXX as a late payment and that's not accurate. 

XXXX XXXX is also inaccurate as I consolidated all of my loans, and I owe nothing on the loans, this information is all inaccurate. 

XXXX is inaccurate as I have proof that I closed the account and sent over the information to them and the balance is still on my account. XXXX XXXX XXXX states that I owe them and that is also inaccurate information, it is not my account, XXXX in the amount of {$710.00} I have a medical bill on my credit that I also do not owe and have disputed and they still report it as mines. XXXX in the amount of {$830.00} The US department of EDUCATION IS also all inaccurate as I have consolidated and this information is not correct on my credit XXXX Please note that these negative marks are found on my credit reports on all XXXX  credit unions including XXXX and Equifax as well. The fair credit reporting act along with the local state laws, require fairness on my reports to which they have not been fair or accurate. 

THANK YOU
Product: Debt collection

I recently discovered unauthorized credit inquiries on my report from XXXX XXXX  XXXX and XXXX XXXX on XX/XX/2022, which I did not authorize and do not align with the permissible purposes outlined in the Fair Credit Reporting Act ( FCRA ). As the FCRA permits credit inquiries only for a firm offer of credit, insurance, a court order, or employment purposes, I request the immediate removal of these unauthorized inquiries from my credit report, as they were not authorized by me. I appreciate your prompt attention to this matter and request that the necessary steps be taken to rectify this situation promptly. I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 a company named XXXX, address XXXX XXXX XXXX. XXXX . XXXX XXXX, SC XXXX XXXX, filed a foreclosure against me on property in Florida that I do not have any ownership in. They also reported the foreclosure to the credit reporting agencies and at least 2 show the foreclosure on their reports, they are Equifax and XXXX. Although I am still showing a very good FICO score, approximately 800, the reporting of the foreclosure is causing harm to my ability to access credit markets. Even though the foreclosure documents that I am going to upload at the end of this report reference an overdue loan the filing is only a foreclosure. I suspect this is because the note they reference is 8-10 years old and well past the statute of limitations. XXXX has be made aware of all of this by my attorneys and have not removed the reporting. In addition I have filed disputes with Eqifax ( confirmation # XXXX ) and XXXX  ( report # XXXX ) and they have not removed the reporting either. 
XXXX 's dispute is with the current owners of the property and not me. Additionally if they can not show documentation that I own the property ( which I don't ) they should immediately drop the foreclosure proceedings and amend their reporting to the credit agencies. Absent that, the credit reporting agencies should demand that XXXX produce documents showing that I own the property and if they can't the agencies should remove the adverse reporting themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Report with Experian / XXXX show 90 days late payments for XXXX University student loan. Information was provided by XXXX student loan servicing XXXX university student loans. The period reported as late payments was XX/XX/XXXX / XX/XX/XXXX/ XX/XX/XXXX. During this period I was pursuing my XXXX at @ University XXXX XXXX XXXX. I will graduate in XXXX 2017. XXXX has been requested from XXXX University. To avoid accumulation of interest on my student loans, I have been able making some payments despite being in deferment. This has ruined my ability to buy a house.
Product: Debt collection

Hunter Warfield collection.

Called XX/XX/XXXX Called XX/XX/XXXX - hung up on - Hung up on by XXXX, supervisor - Refused to validate debt. Said it would be pointless that it would come back as validated no matter what.

- Did not have contact information, correct amount or address.

- Threatened to send collection to credit report to hurt my credit score.

- Had to leave message as hung up on and would not take my call nor answer my call back. Demanded no contact, written notification of debt and written validation of debt within 30 days.

XX/XX/XXXXcalled corporate and was told be XXXX, HR to file a lawsuit and wouldnt transfer me.

-Called attorney and he said I dont know what you want me to do.

- said you got out 7 months early so four months is a deal and I need to pay the money regardless even though I legally followed steps to break the lease when I bought a home and moved out.

XX/XX/XXXX- hit my credit report and I filed a dispute with XXXX  .

- never received written notice of debt.

- never received written validation of debt.

- hunter warfield refused to call me back nor answer my phone calls.
Product: Credit reporting

First I must apologize for submitting a dispute for the wrong credit reporting agency. My problem is having XXXX or XXXX hard copy reports for the purchase of a car. One company submitted a request thee times for my credit report for the car. Is this wrong?
Product: Mortgage

The company BSI Financial Services XXXX. XXXX XXXX XXXX, PA XXXX has given me mixed answers and refused to drop off an additional PMI monthly fee ( {$33.00} ) for my mortgage that is paid beyond the 20 % of principle balance thresh hold. When I signed the original contract for this loan, it was explained to me verbally by the loan officer that I would only have to pay this ( roughly {$40.00} PMI ) for about 2 months, seeing as I gave a down payment of 19.5 % of the principle- then it would " drop off ''. My loan was transferred ( sold from my first company to a new one ) and now I am being told a completely different story from my new servicers BSI Financial Services. From XXXX to XX/XX/2020 I've had over 12+ phone calls with them explaining that I had the right to request it be dropped. I was passed around to different agents, told to send something in writing ( a process that took them over a month to get follow up with me after ) then I was finally told that they have the right to wait until it was at the point of being forced to drop off. On XX/XX/2020 I sent a request in writing and was denied and told I would have to continue to make this payment for at least 2 years to protect their loan. Since this first request I have submitted half a dozen others and been charged hundreds of dollars despite never missing a payment and having paid within what I believe is the national thresh hold of 20 % of principle therefore reducing any risk they would carry. I am requesting additional assistance as after speaking with my loan officer and others in the lending business, I am being told that this situation sounds strange, the additional fee should be dropped, and that they may be charging me beyond what they should. Thank you for your help! I appreciate it.
Product: Credit card or prepaid card

Hi... My name is XXXX XXXX my XXXX XXXX XXXX have an account with synchrony Bank care credit .... because of fraud at my bank and report late payment I never had .... This lender look at my credit which is normal and see me and my father has dropped in score because of the XXXX XXXX crazy stuff they did .... It caused Synchrony dropp mine and my father credit limit from XXXX to XXXX dollars which that is damaging... And to me unfair .... I had XXXX on XXXX... I though the whole purpose of have a card is to have it for emergencies .... we haven't abused a d never late... .The cares act is ineffective when they can cut a limit for me not being in default or problems with them... I was told that they was sorry for accidently making my pay.ent late .... but at the time I or my father knew our limit was cut till at the end of call she mention I believe XXXX balance of XXXX I used XXXX for glasses .... I do t understand how u give a bank everything u have and in a time of need... they cut you for no reason .... they knew about the fraud .... The XXXX is handling it I guess but I but a report to ftc ... and DOJ Civil rights division and I did one with you guys with respect of regulation and authority .... I sent a warning to CRA .... and they failed to send it to the creditors ..... This is ridiculous... ridiculous .... I need help went from good credit till bankruptcy in matter of 6 months with good payment history ... .besides the fraud... but that. An take time... .I know I ca. Never get ahead because of idtheft ... .if it ain't t a stranger it's your family or friends ... .. Syncrony Bank should take a moral issue and stand for what's right... That putting me my wife kids and father who is XXXX yr old vet that's had open credit limit that ain't been touched .... It makes no since .... Synchrony Bank take a Ethical and Moral stand ... .. We pay and we victims and still pay .... but XXXX no late payment and we quailify XXXX coming out of my account .... I paid you XXXX that when on dog passed away no included the other ..... Remember Synchrony ..... I and my father was with yall si ce XXXX XXXX not a late payment nor default .....
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX XXXX  XXXX  : {$700.00} {$700.00} {$0.00} Credit Limit : {$500.00} {$500.00} {$500.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Credit card Amount in XXXX column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporter act XXXX  account number XXXX of XXXX XXXX XXXX Has violated my rights ( 15 US Code 1681 section 602 ( 8 ) states I have the right to privacy And 15 US Code 1681 604a section 2 states a reporting agency can NOT furnish my information without my written consent. XXXX XXXX was put on notice that I do not nor does my co-signor XXXX XXXX wish for our information be reported and has not given written consent to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly contacted TransUnion to have Bankruptcy XXXX removed from my credit report. I have sent letters to TransUnion on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. TransUnion has failed to provide me with any verifying documents and has refused to remove the Bankruptcy XXXX from my credit report. In my most recent letter on XX/XX/XXXX, I requested that TransUnion provide me information that details how they have verified the Bankruptcy XXXX on my credit report. TransUnion sent me a letter stating that the information they use to verify public records can be found at XXXX XXXX XXXX When I go to this website ( I have provided a screenshot of the website ) it states that they use information from XXXX to verify Bankruptcies. I have attached a letter from XXXX stating that they have removed Bankruptcy XXXX from my XXXX report on XX/XX/XXXX. TransUnion must delete Bankruptcy XXXX from my credit report. XXXX could not verify the Bankruptcy and TransUnion uses XXXX to verify Bankruptcies. XXXX also stated that they sent TransUnion a letter to have the Bankruptcy removed from my TransUnion credit report. XXXX sent this dispute request to TransUnion on my behalf on XX/XX/XXXX. I received a letter from XXXX dated XX/XX/XXXX that TransUnion HAS NOT RESPONDED to the dispute sent by XXXX.
Product: Debt collection

I received a summons to mediate for the collection amount of XXXX for XX/XX/2020. My attorney has attempted to contact the law firm several times ( leaving messages and attempting to resolve this issue ) that is listed on the documents with no response. Because they are not responding, it's making it very difficult to resolve this legal matter. It has been about a month since I received this notice and have not spoken to anyone regarding this. What I don't understand is how can you sue someone using a law firm but don't respond to consumers or even law firms to resolve legal issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX TransUnion was sent a SECOND letter via certified mail ( copy attached ) detailing violations to 15 USC 1681. This corespondence was complete with detailed company names, account numbers, and law violated. A copy of state issued drivers license, and social security card were included. As of todays date TransUnion has not responded to any of the items questioned in that corespondence. On XX/XX/XXXX TransUnion responded to my first complaint with CFPB that they needed more information despite this same information being given to them in ( 2 ) seperate letters of correspondence.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and notice I had two late payments on an account that I was never late, for Consumers Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. 
I have never be late on payments for the account. XXXX XXXX XXXX XXXX XXXX please investigate and provide proof with statements showing that these payments were late. 
If proof cant be provided, I demand these payments be updated to on time as they should be as I was Never late. 

Thanks.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXXXXXX XXXX # XXXX XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXXXXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/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 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  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 of 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

XXXX  REFUSE TO BELIVE that I am who I am I mail documentation which I will include, I mailed weeks ago?
Product: Debt collection

Credit Management XXXX posted a collection on my credit profile on XX/XX/. I was never notified about this and have never heard of or had a contractual agreement with this company. I found out about this derogatory report on XX/XX/XXXX and advised this company that they are in violation of the FCRA. I do not owe this alleged debt that they are attempting to collect from me through deceptive practices. I never heard of nor had a contract with this company. They continue their deceptive practices by placing remarks on my credit stating they meet FCRA requirements when they do not and can not validate the debt with wet signature stating I owe Credit Management LP anything.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Experian have refused to remove the negative accounts that do not belong to me from my credit reports. Despite multiple requests, these fraudulent accounts remain, damaging my credit and personal reputation. 

On XX/XX/year>, while applying for the Alaska Permanent Dividend Fund ( PFD ), I encountered a serious glitch on their website. As I was submitting my application, the page refreshed and began displaying another individuals personal information. This included their address, date of birth, Social Security number, and bank account details. 

On that same day, I received two phone calls from individuals who had seen my personal information on the PFD website during the glitch. They confirmed that they had access to all of my private information. 

Soon after this data breach, fraudulent accounts began appearing in my name, clearly using the information that was leaked through the PFD website. I did not authorize the use of my personal information in any form, and my identity was stolen to create these fraudulent accounts. 

I demand that XXXX, XXXX, and Experian immediately remove these fraudulent accounts from my credit reports. This is my last warning, and I would prefer to resolve this matter peacefully, without the need for court intervention. However, if this issue is not resolved promptly, I will take legal action. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information, and you are legally obligated to ensure that my credit report only reflects legitimate accounts. If you continue to refuse to act, I will pursue all available legal remedies, including litigation, to hold you accountable for the damage caused by this negligence. 

the following account are not mine and inquiries are not mine 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
Product: Mortgage

My mortgage loan servicer is reporting inaccurate information on my most recent credit report and is unresponsive when I seek to resolve the error. This has led to an artificially lower credit score which effects many other facets of my/our financial well-being. 

The loan servicer is Seterus Inc. based out of XXXX, Oregon
Product: Credit reporting, credit repair services, or other personal consumer reports

i filed a fispute in regards to the incorrect items on my credit report it has been well over 30 days and i haven't received any investigation results.