23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

On the evening of XX/XX/year> around XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX I went into a XXXX  XXXX XXXX and I purchased a Netspend debit card and I loaded {$500.00} onto the card. When I got to the car to try to use the card to pay a bill it said on the phone as well as online that I need to activate the card before use and so I tried doing so. When I gave my information to the app and again on the phone it said I could not activate the card due to not being able to verify my identity. So I called the number on the card for customer service which turns out that it is not possible to talk to a live representative with that number even though online it says that is the number to speak to a live person. So I then asked the chat bot on their site for the number for customer service to speak to a live person and it gave Me a link with a phone number attached so I clicked the link and it called a phone XXXX hotline. So I looked on the fine print located on the card instruction papers and I finally found a number that let me get to a live rep. After speaking with them they informed me that I was no longer allowed To have a net spend account and they gave me XXXX different reasons of why which none of them sound familiar to me but the reason for my complaint is that since I could not have an account they want to refund me my money with a check in the mail and I told them that is unacceptable to me as I need that money to pay my bills right now and can't wait for the check. I asked then to speak with a manager and they said okay and put me on hold for 45 minutes when they closed and hung up on me. They never verified my address either so now I am out XXXX $ to stop my utilities from being shut off for XXXX.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/year>
Product: Mortgage

About i went thru a brooker to get a V.A.loan and was placed with XXXX XXXX to start my payment was XXXX at 4.8 percent intrest rate, in about a year my payment up to XXXX the intereast stayed the same.now the whole time i was never late with my house payment. I called XXXX asking the about refinanceing to get my payments lower because i ; m a XXXX XXXX on XXXX percent disable with XXXX XXXX XXXX XXXX on a budget and would like to get my payment down they were not interested. I got hold of vennsa from American and they were happy to refinancs=e me to get mymeric payments lower. after getting the paper work done with A merican XXXX said the only thing left was to get the buyout from Rushmore/ Well thats when the problems started, i contacted Rushmore on the XXXX XXXX after waiting two weeks and hearing nothing from rushmore. XXXX and her boss XXXX ask me if i mind them getting hold of Rushmore. aftrer two weeks Rushmore came out saying i owed back payments fromR XXXX which i had to go to my bank to show that was a lie. after that they came up why they would not give American the buyout ; Finally after going back and forth on XXXX XXXX they recived the buyout from Rushmorealmost 3 months. Iin the mean time Rushmore went tto XXXX the credit reporting company saying i was 3 months behind on my mortage and my credit score went from almost XXXX XXXX to XXXX
Product: Debt collection

I am in dispute of your stated balance of {$530.00} on my credit card account XXXX. 

I have audited all sources of payments made on this account since inception. In summary, my account has successfully remitted {$870.00} to be applied toward a {$710.00} purchase. The terms of purchase included a 0 % finance fee if payback was completed in 18 months. 

Under the terms of the said agreement : XXXX. Citibank Visa is paid in full -- as agreed XXXX. Citibank Visa was overpaid by the sum of {$150.00} This letter will serve as an attempt to : XXXX. Collect a reimbursement of {$150.00} XXXX. Request Citibank Visa report to all credit bureaus the account is a. paid in full b. paid as agreed
Product: Mortgage

For the second year in a row my mortgage company, XXXX XXXX repeatedly calculates my escrow incorrectly ( like off by several thousand dollars incorrectly ) and I have to contact them repeatedly, with all appropriate backup documentation, to try to get them to correct it. They are very difficult to work with. 

Last year it took close to six months to get our escrow corrected ( during which time not enough money was being put into our escrow from our mortgage payment ). They would repeatedly tell me that they would fix the issue, then the escrow department would insist the amount they had was correct. They had our estimated property taxes listed as {$130.00}, even though they paid upwards of $ XXXX the year before. I would repeatedly send them our bill and the listing of our property taxes on the county Sheriff 's office, and they wouldn't update the amount. 

This year, so far, I've sent them our XXXX property tax bill ( which they paid on our behalf last year so they have a copy of it ) four separate times to prove that they have our XXXX estimated property taxes listed incorrectly. This year they have my estimated property taxes listed as {$27.00} on a house we bought for around {$270000.00}, which is blatantly incorrect, on top of the fact that it doesn't match our property tax bill. 

They even, on their own documents, will indicate that they paid the correct amount the previous year, but their current year estimates are thousands of dollars off. The fact that it doesn't flag anything in their system that it's so incredibly off, and that I have to pester them for months on end to fix it is ridiculous. I shouldn't have to repeatedly tell them how to do their job.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm about ready to file suit on the major credit reporting agency Experian, not sure which is worse having your identity stolen or the credit reporting agencies constantly reporting unverified accounts inwhich they are only doing electronic Verification inwhich is not physical documented proof of any sort. But at the same time reports these untruths. This has caused me so much stress and anxiety. All because I been a victim of the dark web due to identity theft. These fraudulent accounts has caused alot of pain and I'm Demanding the credit reporting agency Experian to BLOCK the following accounts from my credit file immediately. ( 1 ) XXXX XXXX XXXX {$1000.00}, and ( 2 ) XXXX XXXX XXXX, I have on many occasions requested physical documentation for these said accounts, I've also asked for the Method of investigation inwhich these investigations was conducted, who and when was they investigated, etc, any certified physical documentation. Not acknowledging this goes against my consumer rights, the FCRA and FTC laws. The embarrassment of not having my true credit worthiness is also causing me great harm and set backs. I'm demanding that the credit reporting agency Experian, block the following accounts. ( 1 ) XXXX XXXX XXXX {$1000.00}, ( 2 ) XXXX XXXX XXXX, 2 accounts inwhich has been reinserted all without physical documentation nor the 5 day warning. Therefore you shall block, delete and remove these accounts indefinitely.
Product: Credit reporting or other personal consumer reports

Im writing to formally dispute incorrect information currently reflected on my credit report. This entry is inaccurate and, frankly, its damaging my credit, which is completely unjustified. I did not authorize this, and it has no place on my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter on XXXX XXXX asking " WF PLL '' to provide ve rification about an inquiry showing up on my XXXX Credit report dated as XXXX / XXXX / XXXX. The company doesn't list a phone number on the report, but instead lists " By Mail Only '' so I assumed the address they are using is up to date and accurate as it is being reported on my credit report. Instead, I got an " Alert '' message from the XXXX tracking system sta ting " Your time was returned to the sender on XXXX XXXX XXXX at XXXX XXXX in XXXX, NM XXXX because the addressee was not known at the delivery address noted on the package. '' If the information being reported is inaccurate it is illegal for it to be reported. Please see that this company complies with the FCRA and either updates it's information that is being reported to the credit agencies or remove the information all together if they can't provide accurate information. I had about 3 of my accounts closed by other lenders because of the Wells Fargo accounts reporting incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian on in reference to several accounts that are appearing in my credit file that contain inaccurate information The following accounts are remaining on my credit file even after I disputed on several occasions, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have supplied my identity theft affidavit along with my identification and a police report and these inaccurate items remain on my credit report. These items have been deleted from the other two agencies. The items are : XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( dated open XX/XX/XXXX XXXX XXXX XXXX ( date open XX/XX/XXXX. 
These accounts are fraudulent as well as misleading considering I did not open these accounts nor am I aware who did. Furthermore I did not request to have these fraudulent and inaccurate items reporting on credit profile which violates 15 USC 1681 section 602a and 15 USC 1681 section 604a section 2.

Ive contacted both parties and complied with their request. All necessary documents have been submitted on numerous occasions. Still the issue has not been resolved
Product: Credit reporting or other personal consumer reports

I contacted Grow Credit , IncXXXX in XX/XX/2024 in an attempt to resolve a balance of {$28.00} showing on my credit report. Although I did not recognize this account debt or lender, I was willing to pay the {$28.00} to resolve it from my credit report. The associates I spoke with several times stated that this account has been charged off and there is no way for me to make a payment to them or any third party for the debt to be removed from my credit report. They stated the account has been closed and can't be reopened and there is no way for this situation to be resolved. When I disputed this account stating that I don't recognize it, they fought it and refused to allow it to be removed. In essence, they are holding my credit report XXXX, by reporting the account as open, past due, charged off, and not allowing me to make a payment to resolve the account even though I don't claim ownership or responsibility. It is completely unfair that I would have to let this negative mark appear on my report and not be allowed to seek recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report on XXXX XXXX from all three credit bureaus. I noticed there were credit inquiries from companies that I had no knowledge of. I contacted Transunion, XXXX, and XXXX to notify them of the credit inquiries that I had no knowledge of and they advised me to contact the actual companies and told me the inquiries could not be removed because they are factual data. The following information is displayed on my credit report as inquiries and I have no knowledge of these companies. 

XXXX- Informative XX/XX/XXXX XXXX XXXX XX/XX/XXXX Informative XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX- 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: Credit reporting or other personal consumer reports

I asked to company to stop reporting several companies on my credit report and they continue to report. I do not own these debts
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute owing any and all debts to I C SYSTEM INC I am requesting debt validation. I am requesting the purchase agreement between I C SYSTEM INC and the original creditor XXXX XXXX. I am requesting proof that C SYSTEM INC Is licensed and bonded. 

I dispute this debt for the following reasons : 1. Collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet placed a collection on my consumer report. 
2. I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) 3. Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means. 
4. Collection agency has no authority to furnish any account to a consumer reporting agencies without any and all disclosures required by law and you are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) I am revoking all rights of I C SYSTEM INC communicating with me through email/text/calls. 

Sincerely, XXXX XXXX
Product: Student loan

I attending XXXX in XXXX, CA between XXXX. There was a lawsuit against XXXX. I would like to know if I need to repay loans from UAS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Consumer Loan

I called to make the XX/XX/XXXX payment on my account. I verified that the payment would only be for the amount due in XX/XX/XXXX, but the customer service rep charged y my debit card double ( both the XX/XX/XXXX payment and for the payment due mid XX/XX/XXXX ). She said that there was an issue with the computer system, but when I spoke to the supervisor she told me that it was human error. I let them know that they have over drafted my checking account and left me with negative money in my account weeks before XX/XX/XXXX. They advised that they are not able to void the charge but they can have a paper check out to me in XXXX weeks!!!
Product: Credit card or prepaid card

I reviewed my credit report and it shows a charge off from SunTrust Bank and inquiries from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX - XXXX XXXX and multiple other inquiries which should NOT be reported. I did NOT give written permission for this information to be on my report. This company is in violation 15 USC 1681b ; The law states that any credit reporting agency may ONLY furnish a report in accordance with WRITTEN consent of the consumer. I did NOT provide written consent and I did NOT benefit from these alleged items. This is a demand for these items to be blocked and removed. According to the law 15 USC 1681c-2 : the consumer reporting agency shall block the reporting of any information that the consumer identifies as alleged identity theft, not later than 4 business days after the date of receipt by such agency.
Product: Debt collection

Consumer Collections Management failed to verify the debt 's validity before moving forward and reporting my debt to the credit bureaus. The debt has been requested to be removed. However, my issue is that it never should have been placed on my credit.
Product: Credit reporting or other personal consumer reports

I have contacted and disputed multiple times with EASTERN ACCOUNT SYSTEMS and they have continuously violated my consumer rights. They continuously report on my credit report without ever putting my account into dispute status, also not properly verifying the account per the FCRA. This account has continuously been verified without providing any method of verification. Now, I have disputed once again through the XXXX  and they have responded that they my account has been recalled by the original creditor, meaning that they no longer have my account and shouldnt be trying to coooect anything from me nor should they be reporting on my credit report but yet they still remain on my credit report and are still reporting. I demand that this account be deleted IMMEDIATELY. I have attached the necessary documentation to back my claim and also the response from EASTERN ACCOUNT SYSTEMS. 

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

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX  XXXX XXXX Balanced {$140.00} XXXX  XXXX XXXX XXXX Balanced {$0.00} XXXX  XXXX XXXX Balanced {$0.00} XXXX  XXXX XXXX Balanced {$0.00} XXXX  XXXX XXXX Balanced {$0.00} XXXX  XXXX XXXX Balanced {$2400.00} XXXX XXXX XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX XXXXXXXX Balanced {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise, is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.