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

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Personal Information that are being challenged Employer - XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Employer - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : - XXXX, XXXX, NY, XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX, XXXX, NY, XXXX Incorrect Name : - XXXX XXXX  XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting or other personal consumer reports

I have open credit accounts with companies I am unaware of such as XXXX XXXXXXXX XXXX I disputed debt collections multiple times and was stated that those collections are accurate with 0 % proof of these collections where made by me. I requested multiple times for these to be disputed. Closed accounts are still effected my credit score which effects my kids lifestyle. With these drastic reports I cant get approve for house, car, loans and etc. How is that these XXXX dollar companies are effecting poor communities without any consequences?
Product: Credit reporting, credit repair services, or other personal consumer reports

This company charged me an high interests and i know its wrong this account was deleted and somehow reinserted back on my credit report. The statue of limitations of this loan is 6 years to collect in georgia accordinally to the Fair Debt Collections Practice Act. It was opened around XX/XX/2010 it has a balanced of {$4700.00}. I 'm aware of the breach that happened to XXXX and the other credit burears as well, I would like to have this problem solved in a timely manner bc im going on with my federal tort claim suit i didnt consent to alot of things
Product: Prepaid card

Hello I had money on my card and I went to buy food in my house and it kept declining my transaction at the register. I had enough money on my card but rushcard would not let me use it. They took my money off my card. Called customer service XXXX got hung up on and was on hold for almost 2 hours.
Product: Money transfer, virtual currency, or money service

revco solutions sent me a " pay 80 % of the balance '' amount regarding XXXX using reference XXXX XXXX without providing any proof of debt just a letter with the amount due. 
- requesting a letter of debt validation including any and all statements relating to any services rendered as deemed in the documentation that was provided. 
- called many times and no one picked up the phone - requesting proof of all documents perceving to the implications of the actions received by the end recipient or mailee to which this letter was mailed to
Product: Student loan

On XX/XX/year> around XXXX, Navient called my wife and revealed to her the balance of my loans and what I owed past due. I've never given them her information, nor have I given them any special permission to share any of my information. She is not a co-signer and this debt was accrued before we were even in a relationship. Navient has been taken over by XXXX now, and now XXXX is calling my wife repeatedly. I found out my loans were transferred to XXXX because my wife got a call from them telling me my loans were past due and they asked for my SSN from her, which she gave them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : XX/XX/year> SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan from XXXX XXXX with a balance of {$14000.00}. 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has violated my consumer rights. They will not remove or fix a XXXX XXXX XXXX account from my consumer file that shows a wrong date of last activity. They are infringing on my consumer right to privacy, I did not give them permission to publish this on my consumer report, they do not reinvestigate my consumer report to make sure the information is correct like congress said they had to and they are being unwillful in complying.
Product: Debt collection

I recieved a notice in the mail dated XX/XX/2019 stating that an application for WAGE GARNISHMENT is being filed against me by STEPHEN EINSTEIN and ASSOCIATES on behalf of XXXX XXXX XXXX. I have no knowledge of what this is in reference to and I was never given notice to appear in court or that there was a judgement against me.This appears to be very shady and deceptive as the letter is dated XX/XX/2019 and I recieved it well after that date with notice that if I don't reply within 10 days of the date the court will issue a wage execution against me.There is no mention of what it's for, how much it's for, or no relevant information.
Product: Checking or savings account

On XX/XX/2022 my mother transferred {$200.00} into my Key Bank checking account. She unfortunately listed herself as the recipient. Key Bank flagged this as suspicious activity, they did not attempt to reach out or contact me until XX/XX/2022. On this day I received a voicemail from my local Key Bank branch asking to call, but they did not identify the issue, leave their name or number to return the call. No other attempt was made to contact me. 

On XX/XX/XXXX I realized that I was locked out of my online Key Bank account. On that day at XXXX I contacted the central Key Bank number and my local branch, no one could identify what the problem was. On XX/XX/XXXX I spoke with the local branch again and they informed me that Key Bank had closed my account on XX/XX/XXXX due to fraud concerns. The account closure occurred after had contacted both parties on XX/XX/XXXX. On XX/XX/XXXX I spoke with the branch XXXX, XXXX XXXX, who was the first to inform me that the account was closed due to my mother listing herself as the recipient of the funds. She also confirmed that the local branch had only called once and not sent any emails. She then referred me to XXXX as the Key Bank XXXX XXXX. 

On XX/XX/XXXX I spoke with XXXX, she ensured me that she would be personally responsible for ensuring that a resolution was found. I provided her with bank statements from my mother and communication she had with her own bank, showing that the listing of her name as the recipient of these funds was a mistake. She estimated about XXXX weeks until she would be able to contact me again. After XXXX weeks I began calling XXXX everyday. As of XX/XX/XXXX, she has not accepted any of my calls and has not responded to any of my calls.
Product: Money transfer, virtual currency, or money service

I am writing to informally my concerns regarding Zelle handling of dispute, particularly in light of a recent CFPB lawsuit highlighting significant issues the platform.Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately they informed me that recovering lost of funds was impossible and that tracking these transactions was unfeasible. The CFPB finding indicates that Zelle has not only neglected to protect consumers but also has allowed repeated offenders to exploit the system, leaving users vulnerable to scams this lack of accountability and transparency is unacceptable to raises serious concerns about consumers safety
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 
XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$920.00} XXXX XXXX XXXX Balance Owed : {$9200.00} XXXX XXXX XXXX Balance Owed : {$0.00} ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$810.00}
Product: Credit card or prepaid card

I filed a complaint a month ago ( COMPLAINT ID # XXXX SUBMITTED ON XX/XX/XXXX ) ago regarding an issue I have been trying to resolve since XX/XX/XXXX. It is a very simple and very clear issue that Capital One is refusing to acknowledge their clear negligence in handling appropriately. Now I am receiving almost daily texts, emails and letters trying to collect the fee that is in dispute as well as late fees and interest charges ON TOP OF the fee in dispute. Meanwhile they are reporting me to the credit bureaus as delinquent on paying my account and have reduced my credit score from " Excellent '' to " Fair '' while they claim to be continuing to " review '' this case. This an obvious effort to intimidate and harass me into paying fees I have not incurred. Capital One needs to address this issue. It has been almost 5 months and they have had plenty of time.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Equifax data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Mortgage

This is a portion of a letter written by order of the Vermont Superior Court during the telephone conference on XX/XX/XXXX. All evidence and documentation held by the Vermont Superior Court. 


In XXXX, one year after I was laid off and unable to find work, we applied for numerous programs through the Making Home Affordable program. We were required to work with the lender ( Wells Fargo ), providing applications and much paperwork and background information. Over the course of many months our paperwork was lost several times ( according to telephone conversations with representatives at Wells Fargo ), requiring new documentation be generated by us ( because according to them it was now out of date being some weeks later and we would have to start over ). It is important that it be known that we had never been late on, or missed a full payment at this time. This went on for some time until they began cashing our payment checks but not applying them to our account. We began receiving letters and phone calls from Wells Fargo demanding payment ( even though we had paid, on time ) and threatening credit reporting and eventual foreclosure ( again, we had never been late on, or missed, a full payment ). After much effort I was able to talk to someone who understood what was going on. She said our payments were placed in a special escrow account for people like us until the application process through the Making Home Affordable program was complete. 

I asked how I could avoid a negative credit rating and was told that they would apply our payments if we stopped applying for aid through Making Home Affordable. I had no choice but to agree to stop the application, and they applied our payments to our account. 

End of Letter We eventually did refinance independently of Wells Fargo but were forced to abandon the house because of work. Our complaint is that Wells Fargo has excluded us from the Court Order requiring them to make amends with consumers whom suffered from their business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had an issue with having a payment credited to my XXXX XXXX credit card account. My credit union changed their bill pay system and my original info for paying the bill was lost. I paid XXXX but mistakenly did not include my account number. The check from my account was cashed but I was never credited the payment. XXXX sent me late notices, I responded with the evidence that the check was cashed and I was not credited. This happened in XXXX 2023. I am attaching the correspondence. I disputed with Transunion and Transunion responded that XXXX was correct. I did have a late payment for XXXX as this dispute was going on and I did not realize that I still owed approximately {$30.00}. I just paid that amount {$30.00} ) through my credit union and am waiting for XXXX to cash that check. XXXX reported me late the original amount that I am disputing ( {$200.00} ) and I think for the months of XXXX 2023.
Product: Debt collection

I filed a dispute with the credit reporting agency regarding the medical debt placed on my XXXX and XXXX report. The company states they verified information but they could not have since they do not have access to any medical records. I did not give permission and they will be violating my HIPAA rights if they did get access.
Product: Credit card or prepaid card

We received a statement from RC Willey reflecting activity and charges we did not authorized. We had purchased and returned some items from the store and specifically charged the purchase on our Visa card - not the store credit card. The accounts lady said she did not understand why we weren't using the store card and my wife specifically told her we wanted to pay with our Visa card for personal reasons.

We then received the statement from the store ( and our Visa statement ) reflecting the lady reversed a charge to the Visa card and then charged the store credit card, contrary to our instructions. Moreover, some of our returns are not reflected on the Visa card. 

When my wife contacted the accounting offices of the store, they indicated that return credits are reserved on the store account until other purchases are made to offset future purchase costs. This dies not make sense.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

XXXX XXXX XXXX, Attorneys at Law American Express Customer Advocate Services Team XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Dispute Clarification and Resolution for XXXX XXXX Dear American Express Customer Advocate Services Team, I am writing on behalf of my client, XXXX XXXX, regarding several unresolved disputes on his American Express account ending in XXXX. Below are the details of each dispute : Dispute XXXX : XXXX XXXX provided diagnostic reports from three separate mechanics indicating that the car was not repaired as claimed. Despite submitting new information in XXXX, XXXX, XXXX, and XX/XX/year>, AMEX did not contact the merchant after XX/XX/year>. 
While XXXX XXXX accepted the goodwill compensation of {$1800.00}, this was not intended as a final settlement. We seek clarification on why the dispute was not resolved in his favor, given the substantial evidence provided. 

Dispute XXXX : The merchant allowed XXXX XXXX to return the item after 30 days due to his being out of the country. Evidence of this exception was provided in the email sent to AMEX. 
However, AMEX confused this dispute with XXXX. We request that AMEX reviews and corrects this oversight. 

Dispute XXXX : XXXX XXXX paid a total of {$10000.00} ( {$5000.00} down payment and {$5000.00} towards the loan ) but received a refund of only {$7500.00}, leaving {$2400.00} unaccounted for. 
AMEX stated that the merchant refunded {$2400.00} more than what was billed, but this does not align with XXXX XXXX payment records. We request a review and correction of this discrepancy. 

By failing to properly investigate XXXX XXXX disputes and not contacting the merchant after receiving new information, AMEX may be in violation of the FCBA. This law is designed to protect consumers from inaccurate billing and ensure that disputes are handled thoroughly and fairly. We kindly ask that you re-evaluate these disputes with the provided evidence in this CFPB report and correct any errors. 

Please examine the enclosed documents thoroughly and contact XXXX to discuss and resolve these issues promptly. Failure to address these disputes adequately will leave us no choice but to pursue further legal action. 


Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX, Attorneys at Law
Product: Debt collection

At XXXX XXXX XXXXXXXX on XXXX XXXX Capital accounts called waking me up and from what I understand it is against the law to call before XXXX. I am not sure why they are calling as I was upset and yelled at them saying never can before XXXX again. I originally thought it was a telemarketer but after looking up CAP ACCOUNTS ( the caller ID ) it said it was a debt collection agency. I was hung up on twice when I called back but the third time calling I lied and said I was recording a call so they transferred my call to a manager. The manager put me on hold for 10 min and came back acting like he did not know why I was calling. I asked him for address, phone, and name of the company I told him I was going to file a complaint. Then he put me on a 17 min hold.
Product: Credit card or prepaid card

On XX/XX/XXXX i contacted XXXX XXXX XXXX XXXX to report unautorized charge on my Citi Visa card, after a long time on the phone automatic system finally I spoke with the rappresentative, long story shorth : she closed the account on the spot ( so now I'm unable to use it myself ), send a replacement over nigth to my home address ( my PO Box address 7 days or my house overnitgh ). 

I found out that my daugther wile making a XXXX purchase on XX/XX/XXXX she was charged on unknown cc #, ( my cc # ) she has my same last name, but she has not my CC # 's. so the miss charge was XXXX error. 

Now XX/XX/XXXX I want to report to Citi Card that the charge was NOT a fraud, but have been unable to do so, because when I call the XXXX XXXX XXXX XXXX ph XXXX for citi card, has soon as I enter the last four # of my cc the line drops. 
So I'm unable to contact they'r customer service.
Product: Prepaid card

I received a {$10.00} prepaid XXXX from XXXX XXXX operated by XXXX. I had trouble using it. It expired in 2020. When I call or login they say the expiration is invalid so I can not view the history. 

I never agreed to any terms of service with this card and I have no record of using the {$10.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 120 days past due on loans with XXXX - partial account numbers XXXX ; XXXX ; XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Product: Credit reporting or other personal consumer reports

I recently reviewed my report and was shocked to find multiple inaccuracies that are harming my scores. These mistakes have already resulted in financial setbacks, unnecessary stress, and lost opportunities. It is deeply frustrating to be held back by errors that should not be affecting me.