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

I saw a delinquency on my credit report. I went to 2 credit bureaus that could not provide details.

I found details through Experian. There is a delinquency from 2018 for one missed car loan payment through XXXX XXXX. I recalled speaking with the bank and explaining the reason was that I moved residences from XXXX to XXXX because of employment. I didnt receive the bill and when I thought of it, I was XXXX passed. I spoke with the bank and made restitution as soon as I realized it. The loan was paid in full and account closed. 
The delinquency still appears on my credit report. 
I attempted to contact the bank prior to initiating the dispute but the number on the Experian website for XXXXXXXX XXXX is out of service. I called a toll free number for XXXX but they could not help me without an account number of some sort. I no longer have the account number from 2018. 
I initiated a dispute through Experian and also called them to explain the situation, and that the number they have for the bank is incorrect. 
They repeated call the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1

5 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 reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX {$9100.00} XXXX XXXX XXXX XXXX XXXX {$9100.00} XXXX XXXX XXXX XXXX XXXX {$9100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX   XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX : XXXX XXXX Transunion : XXXX, XXXX XXXX XXXX : XXXX Transunion : XXXX, XXXX Transunion : XXXX.
Product: Money transfers

I have accounts with Wells Fargo Bank. We travel to XXXX often and we have done wire transfers many times on line and all of a sudden it wo n't work. After I put in the information and hit the " calculate '' button for it to tell me what the exchange rate is and how much will be available in XXXX - it puts up an error message saying my information is incorrect or incomplete!!!! This is their " EXPRESS SEND '' type transfer. It pops up with all the blanks filled in except for the transfer amount. Based on copies I 've received as confirmations the information is all the same!!!! Nothing has changed. HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

My mother opened a XXXX Credit card account. She wanted to purchase my son a PC and she was unsure if they had the XXXX she wanted at the store where she lives, so she added me as an authorized user so if I needed to buy the PC from the store where I live. She asked me to help her manage the emails and bills so I told her she could use my email and address and I would be sure to help her by letting her know when her payments were due etc... .Next thing you know she is having some financial difficulty and it's my credit report showing past due. I have never gave anything like income a social sec number nothing. I tried to dispute through Equifax Twice and they keep saying I own the account and NO I do not. I just want this off my credit. She had 3 other cards from 3 other retailers and no issue at all because I have nothing to do with the payments or lack thereof, I was just helping her get something for her grandson and now I get to see my credit score drop drop in this economy it's awful. If they pull their contract they should see, she applied and provided her information alone. I wish I could get credit cards without providing my income employment social sec number etc, that would be lovely. This should be so simple and I guess they think because she is having issues paying her bills, they will ruin my credit.
Product: Credit card or prepaid card

I received a US Bank Visa Gift Card from a friend in XXXX, XXXX. I did not realize until XXXX, XXXX when I tried to use the card at my local XXXX that it needed to first be registered. On about XX/XX/XXXX, I went online to register the card and realized that someone using the name XXXX, had fraudulently registered the card and used it at XXXX on XX/XX/XXXX. See attachment XXXX, Card Activity, that shows two XXXX transactions that werent made by me or authorized by me. This realization was quite a surprise, as I have always been and still am in possession of this gift card. I assume this was a computer hacker or insider who had access to computer files containing US Banks Visa Gift Card account numbers and corresponding PINs. 

I immediately called the number on the back of the card, XXXX, and was routed to a call center somewhere in XXXX. This is an assumption on my part, but Ive called several times and each time I spoke to a different agent with a very thick XXXX accent. When I asked where they were physically located they said they were not able to reveal that information. The agents informed me to mail or fax copies of the card front and back and also include a copy of my drivers license. I explained I was not comfortable sending a copy of license and would only send it with my birthdate and license number blacked out. They could have my picture and address and see that I had a valid AZ drivers license. Their system was already hacked, I did not feel comfortable exposing myself to identity theft. I mailed the requested documents to US Bank Gift Card Cardholder Services, XXXX XXXX XXXX, XXXX, FL XXXX on XXXX XXXX, XXXX. I waited two months and heard nothing. A followup called revealed that they had my information but would not replace the Visa gift card because I blacked out my sensitive drivers license information. They wanted another copy of my license without the blackout. So I sent a copy on XX/XX/XXXX, but this time I sent it certified mail so I could track where my information was going. This enveloped was returned to me No Mail Receptacle, Unable to Forward.

I even went into a local US Bank branch to see if they could help me. But they still wanted to send my drivers license information to their XXXX XXXX XXXX XXXX. At this point, XXXX very uncomfortable giving this sensitive information to XXXX Banks XXXX XXXX XXXX XXXX. Its clear to me that that this card information was hacked. I feel US Bank is being unreasonable in admitting that the fraud occurred on their end. Ive even enclosed the receipt from the purchase of the gift card, ( See attachment XXXX ). If you can provide any assistance in getting a replacement {$100.00} gift card I would appreciate it.
Product: Credit reporting or other personal consumer reports

I'm a victim of XXXX XXXX I request the following accounts be blocked XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # 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: Debt collection

Form letter received for undisclosed debt for {$19000.00} to be reduced to only {$6000.00} if I contact by phone by XX/XX/XXXX. Letter arrived with no address on envelope or letter. Today I received call and voice mail on my cell and my alternate phone number harassing me to contact asap or legal action will be taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to Equifax about a unauthorized credit account on my credit report. I asked them to remove it from my credit report. XXXX XXXX XXXX I received a letter from Equifax stating they could not identify me. I just moved from my old house and now staying with a family member due to hardship. I do not stay at the old address which is XXXX XXXX XXXX I don't know what to do but to send this issue to you. I attached my driver license, my cable bill, recent pay stub and my w2 to prove I am who I say I am. Please help me to get this unauthorized credit card off my credit. Its XXXX XXXX XXXX account reporting on my Equifax that's not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following accounts which have nothing to do with me.. I don't know how it got on my credit report but I need it removed immediately..I contacted the credit bureaus and ask for evidence but they could not supply me one. XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX   ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX BANK XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX  ) XXXX, and XXXX XXXX
Product: Credit reporting or other personal consumer reports

On or around XX/XX/XXXX the creditor XXXX XXXX advised they would send deletion requests to the credit bureaus. XXXX received theres and deleted the account. However EXPERIAN refuses to delete the account. So XXXX XXXX again sent the request to Experian and even sent me another letter dated XX/XX/XXXX stating the same. I sent this letter to Experian and either Experian doesnt look at documentation or they just decide not to delete the account. 

Because of this, Experian is in violation of the fair credit reporting act. I ask that the CFPB step in, review the documentation and advise Experian to remove the account.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX  Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$68.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX- Account # XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Balance Owed- {$180.00}, {$180.00}, {$180.00} ( XXXX, XXXX, Experian XXXX XXXX Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Balance Owed- {$2800.00}, {$2800.00}, {$2800.00} ( XXXX, XXXX, Experian ) XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX  Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Balance Owed- {$560.00}, {$560.00}, {$560.00} ( XXXX, XXXX, Experian ) XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Balance Owed {$4200.00}, ( XXXX ONLY ) XXXX- Account # XXXX, Date Opened XX/XX/XXXX, Balance Owed {$220.00}, XXXX XXXX ONLY XXXX XXXX- Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Balance Owed {$130.00}, {$130.00}, {$130.00}, ( XXXX, XXXX, Experian ) XXXXXXXX XXXX XXXX- Account # XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX Balance Owed {$0.00}, {$0.00}, ( XXXX and XXXX ) XXXX  Account # XXXX, XXXXXXXX XXXX Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Balance Owed {$410.00}, {$410.00} XXXX {$410.00}, ( XXXX, XXXX, Experian ) XXXX XXXX XXXX Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Balance Owed {$0.00}, {$0.00}, {$0.00}, ( XXXX, XXXX, Experian ) I have sent in FTC report, police report and have sent in proof of my information confirming that the alleged debt isn't mine nor did I give anyone authorization to use my personal info.
Product: Money transfer, virtual currency, or money service

So since closer to beginning of XXXX I believe my friend sent me {$30.00} that I had let him borrow and instead of him waking to the bank and back since they dont have a vehicle I said jus send it in Venmo never have had a issue ever or at PayPal so now I apparently am not allowed to withdraw the {$30.00} or use it in a purchase or send it back to my friends where the payment originally came from and Im not allowed to add my bank or bank accout. I currently am already having my identity stolen and currently having my emails and phones attacked randomly but none of this has ever stopped only escalated since middle of XX/XX/22 when everything became more than it was and moved to accout takeovers and hijackings. So currently XXXX XXXX Venmo and XXXX all are holding my accounts hostage and even tho I have proved my identity to some and some I havent none of them will allow me to access or even close my accounts down as Id rather not do business with any of them anymore or even use their services or have anything to do with them. For the last year almost come XXXX I have been ignored or jus never contacted back when I broguht to the attention of all these companies what was happening with each of my accounts with each company when it was happening or within days of it happening which was unauthorized account access or suspicious or phishing type activity that is actually still going on to this very day. And still its like XXXX gets the information I have to help them understand Im being targeted and not gon na stop as i said above my identity is now being stolen. Which is the main reason Im not sending my Drivers license or certain documents over the internet or through emails or anything for some companies who flagged my accounts for supposedly suspicious activity but when I actually tel them about it when I notice it and not jus assume it suspicious but actual scammer and hacker activity they all remain silent. XXXX and XXXX actually are the two that probably could have prevented a majority of all of this months ago but they either dont respond to multiple attempts to make the aware or say they are looking into and will contact me soon. Or for XXXX there main response and is usually all that is said Yea Im not sure about rhat ; or that is weird and all of these companies have denied or refused to allow me to contact or speak with corporate or higher up management. I had made a new Venmo account like 2 days before this happend and then like a day or two after my friend sent the {$30.00} i went to transfer it to my bank account and it wouldnt allow me to and then I had to contact Venmo and found out that my account being frozen and wont say why and that its been escalated and that I can only talk to the Specialist through a email and that there is no other way to resolve this and that I cant speak with the one who froze my account or who is uncharge of unfreezing it and that I can only talk to whoever it is that emails me and even then no1 ever says who they are or if they are the one that would have the authority to freeze or remove the freeze / restriction on my account.
Product: Payday loan, title loan, or personal loan

This is a complaint about a misleading advertisement from Salvation Funding. the attached advertisement was targeted to my elderly mother ( XXXX years old ), in the form of a check. the solicitation does not have the required federal disclosures, no APR, no NMLS #, and is miss-leading. These type of companies need to stop soliciting the elderly that can be taken advantage of. 

XXXX XXXX XXXX this website said that consumers are not given a loan but provided an attorney to get debt relief. 

very misleading and needs to be stopped.
Product: Credit reporting or other personal consumer reports

This is my 3rd time disputed this XXXX XXXX XXXX XXXX  account ending in XXXX and it did not get deleted. I have sent a police report, ID, Identity theft report, A LETTER FROM THE CREDITOR SAYING IT WAS A RESULT OF FRAUD. their DID NOT DELETE THIS ACCOUNT BECAUSE OF FRAUD. This account needs to be deleted asap.
Product: Mortgage

My mortgage was purchased by SLS lending. They had been given the incorrect address by the previous company a nd there was a delay in payments being made directly to SLS. As payments were being made to the previous lender the account was kept up to date. Once the error was realized I reached out to my previous lender and was given the SLS conta ct information. I called them on  X/XX/17    ( loan was sold on  X/X/17    ) and set my account up with my correct contact information. At this time I asked what amount needed to be payed to get my account in good standing and the current balance paid. I was told an amount by their customer service rep and I paid this using their website that was received. On   XXXX   I received a call from SLS asking when my  XXXX  payment would be received. At that time I said " I 've already paid it ''. The representative on the phone was not able to research but said that the payment I made was not sufficient to make the   XXXX   payment. After researching myself I have found ov er one  and half mortgage payments were put towards my principal even though I had outstanding payments to SLS. They have charged me " late fees '' and " property inspection fees '' due to my supposed late payments. The amount they have received since  XXXX  has been sufficient to keep my account current but they are incapable of applying the funds correctly and then ask for further payment. When contacting customer service today  (   XXXX  ) to inquire about the property inspection fee I was told it was an inspection of the property due to the late  XXXX  payment ( which they had received via the previous lender ). I was being transferred to an account  executive b ut instead just hung up on. The service reps are no help and give me incorrect information.
Product: Credit reporting or other personal consumer reports

In accordance with The fair credit reporting act 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 {$1000.00} has violated my rights 15 u.s.c. 1681 section 602 A states I have a 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. Neither company was able to furnish me with my original contract these accounts should not be reporting THESE ACCOUNTS DO NOT BELONG TO ME I HAVE NEVER ATTENDED COLLEGE OR APPLIED FOR STUDENT LOANS
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has been sent via XXXX receipt all furnisher documents, a dispute letter for notification of fraud due to identity theft, all verification documents, an FTC identity theft report, and a CFPB complaint, and has repeatedly been requested to delete this negative account victimized by fraud due to identity theft, for which XXXX XXXX XXXX was notified by myself in XX/XX/2022 of fraud committed by a hotel staff under identity theft and yet continues to willfully, neglectfully, and to cause personal financial and emotional harm by disregarding FTC, CFPB, and citations and if found to willfully, knowingly report inaccurate information may be held liable statutorily, and punitively inclusive of attorneys fees. This has been evidenced in defiance of the FTC, CFPB, and FCRA under fraud due to identity theft, and XXXX XXXX is repeatedly acting in direct opposition to regulations and laws in violation of my protections. 
Delete this negative account from all bureaus immediately.
Product: Vehicle loan or lease

I'm getting repeat calls from a XXXX XXXX and now a XXXX XXXX claims that my XXXX XXXX XXXX has a vehicle loan in XXXX from XXXX My XXXX  has lived in Alabama since XX/XX/XXXX, and has no reason to go get a loan of any kind from XXXX Everything we own is in my name, my XXXX  has NO loans of any kind in his name. The first time they left a message back in XXXX I called them back they told me that he could pay over {$3000.00}, he stated we would get paperwork in the mail, paperwork has never came in. XXXX XX/XX/XXXX, I get another voice mail from a XXXX XXXX. Claim they have been hired to file a civil suit. I called my XXXX  told him to call them this time. He called, now they say he can settle for {$700.00}. The first call said the loan was with a XXXX XXXX, now they say it is Chase. My XXXX  told them to send paperwork, because we don't have no such loan. Each message tells us to call back at numbers XXXX or XXXX. What can we done to get these calls stopped. Thanks XXXX XXXX for XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. Please dispute the account. It was opened without my knowledge, authority or consent. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

There inquiries were not initiated by me and is fraudulent.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despiteseveral written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you donot validate these items. Please follow the law so that this situation can be settled quickly. 

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