23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Wells Fargo published the benefits of earning 4x points for merchants with XXXX XXXX XXXX XXXX  ( XXXX ). I opened the card to purchase air tickets. I spent almost XXXX dollars to buy air tickets from XXXX XXXX with an XXXX of XXXX. However, Wells Fargo told me that the merchant is a merchant and is not recognized as an airline. When I cross-referenced the XXXX, XXXX, and XXXX XXXX XXXX list, any numbers in XXXX represent individual airlines. Right now, Wells Fargo is not rewarding me almost XXXX points as it advertised due to its old system.
Product: Credit reporting or other personal consumer reports

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Credit reporting or other personal consumer reports

AFTER GOING OVER MY CREDIT REPORT I HAVE DISCOVERED THAT I AM A VICTIM OF IDENTITY THEFT. THERE IS A LARGE AMOUNT OF FRAUDNULENT ACCOUNTS, COLLECTIONS, ADDRESSES AND INQUIRES THAT HAS BEEN ATTATCHED TO MY CREDIT PROFILE. 

THESE ACCOUNTS ARE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am a victim of human trafficking of XXXX XXXX I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX DeptEDXXXX  XXXX XXXX XXXX 

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

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

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 consumer to any consumer reporting agency if 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

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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
Product: Credit reporting or other personal consumer reports

I just got my credit report on XX/XX/XXXX and noticed some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ).

This company also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ). At this point I believe they are doing this on purpose. According to 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

This company must be XXXX because everything is inconsistent.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WHIT THR FAIR CREDIT REPORTING ACT : XXXX XXXX XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PROVACY.

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 card

I HAD A SELF " CREDIT BUILDER '' ACCOUNT IN 2021, THIS ACCOUNT REQUIRED ESCROW TO BE PLACED AGAINST THE ACCOUNT TO BE HELD FOR TWELVE MONTHS AGAINST THE EXTENDED CREDIT WHICH MATCHED THE DEPOSIT IN ESCROW. I PAID OFF THIS ACCOUNT AND THE ESCROW WAS RETURNED TO ME ON XX/XX/XXXX. SELF CONTINUES TO REPORT A BALANCE IN COLLECTION FOR WHICH I DO NOT OWE, IF YOU LOOK AT THE ACCOUNT HISTORY SINCE XX/XX/XXXX YOU WILL CLEARLY SEE THAT THERE HAS BEEN NO ACTIVITY ON THE ACCOUNT BY ME NOR DO I EVEN HAVE A CARD ASSOCIATED WITH THIS BANK. I HAVE ATTACHED THE CLOSING OF THIS ACCOUNT BELOW ALONG WITH THE STATEMENTS FOR WHICH I WAS NEVER SENT OR EMAILED PER SELF 'S COMMUNICATIONS. THIS IS FRAUD ON MANY LEVELS AND I HAVE SINCE REPORTED THEM TO THE FTC AND WILL BE REQUESTING THE STATES ATTORNEYS OFFICE INTERVENE SINCE THEY REFUSE TO REMOVE THEIR ILLEGAL REPORTING OF DEBT OWED WHICH IS BEING REPORTED TO THE THREE CREDIT BUREAUS TO DATE.
Product: Debt collection

Midland Funding LLC - a debt collection agency have been harassing me for more than 5 years regarding an account fraudulently opened under my name and somehow connected to XXXX XXXX  in the amount of {$1900.00}. They repeatedly call odd hours in the week and have reported inaccurate data to the credit bureaus. I have requested multiple times for the original contract/documentation referencing the so called owed debt with my affixed signature and yet to receive response. I am filing this complaint because they have managed to dent my credit with inaccurate information and are possibly doing the same to vulnerable individuals. 

Midland Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Dear Equifax, I recently got a copy of my consumer file and noticed that there was personal information that belongs to someone else on there. According to the FCRA you must be reporting 100 % correct information at all times and that is not what my credit file reflects at this time. You have 30 days to remove the personal information listed in this letter. I am also requesting you to provide me with the furnisher of this information or where you got this information. Please PERMANENTLY REMOVE the following incorrect information : XXXX XXXX XXXX XXXX XXXX XXXX The ONLY correct address is listed above. 15 U.S. Code 1681b - Permissible purposes of consumer reports- ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Thank you for your attention in this matter, XXXX : XXXX Without prejudice, All Natural Rights Reserved
Product: Credit reporting or other personal consumer reports

I am writing to formally notify Equifax of severe ethical and legal breaches. These actions have resulted in the deprivation of constitutional rights of survivors of human trafficking, in violation of Title 18 U.S.C. 242.

My advocate for human trafficking is affiliated with various governmental organizations as an XXXX, I have encountered continuous denial and delay from Equifax in addressing the adverse information on the credit reports of XXXX survivors.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c2 - Block of information resulting from identity theft. A consumer reporting agency shall block the reporting of any information in the fi le of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of Experian. 15 U.S. Code 1681b - Permissible purposes of consumer reports- In accordance with the written instructions of the consumer to whom it relates, I never gave bureaus written consent to report the following accounts and inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax,, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX XXXX I do not have a contract with XXXX and XXXX XXXX, I was never provided with any contract whatsoever.
Product: Debt collection

I originally received a letter in the month of XXXX stating that I owed an outdated debt from XXXX. I called customer service letting them know that the dad had been XXXX and it was no longer my responsibility to pay for it. They proceeded on sending letters and then I realize that my call wasnt enough. On XX/XX/XXXX I sent a debt validation letter requesting proof that they owned the debt. Meaning that they either went into contract with me or that they purchased a debt from the original debtor from XXXX. I knew that XXXX  years had passed since XXXX and that I no longer owed the debt. I sent an email to the agency asking about a foil request if they were allotted to respond to debt validation letters. I received no response. I contacted the XXXX  and sent in a claim in regards to their falsehood and their response on the website, is due to customer privacy they do not answer any inquiries on the XXXX. I then called again and left a message with their law department asking to be called back. When I noticed the week went by and I still didnt receive a call I sent an email requesting proof of validation of debt once again. Now XXXX month later they have garnished my wages twice and I have yet to receive a valid response in regards to this debt. Due to the fact that they garnish my wages illegally I was unable to pay other that off debts off my credit score to drop and not allowing me to qualify to get my roof fixed. Now it has rained XXXX  since that time and I now have a leak in my house as well as mold has caused more financial distress than I already had. Im not only asking for my money back that they took legally I am asking that we come to the table and make a settlement agreement in which they owe me for property damage and distress.
Product: Checking or savings account

On XXXX XXXX I received an email refund confirmation from XXXX for a {$10.00} item credit transaction to be posted to my within 10 business days. The original purchase was made on XXXX on XX/XX/21 using my BOA debit card. I had closed my BOA checking account prior to the credit posting and Bank of America cant locate where my credit went. XXXX confirmed that the credit was not returned to them by Bank of America and that the transaction could not be returned by Bank of America. I believe its in a held account with Bank of America since I had closed my account. BOA would not open a Regulation E claim for the missing deposit on the closed account. They kept telling me they couldnt help me because my account was closed and transferred me multiple times to different departments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of XXXX and XXXX Ive did a credit card and I gotten denied knowing that it says that it was a good fit to apply so I can get my credit up and buy a house. My action was to check to see if my credit went down and to which it did by XXXX points maybe more but those accounts on my credit are old and they should be gone so I can at least start over
Product: Checking or savings account

I am writing to express my frustration and request your assistance in resolving an issue I have been facing. On XX/XX/XXXX, I attempted to deposit {$1800.00} at XXXX of your ATMs. Unfortunately, the machine was malfunctioning and did not properly process my deposit, but it took the cash and never became available in the account. 

It has now been almost XXXX weeks since the incident occurred, and I still have not received my funds. I have been in contact with Chase representatives several times, but have not yet received a satisfactory resolution to the issue. 

I am extremely concerned about the status of my funds and the lack of progress in resolving this matter. I have already taken time off work and invested a significant amount of effort into trying to resolve this issue, and I am eager to receive a resolution as soon as possible. 

I would appreciate your prompt attention to this matter, and look forward to receiving an update on the status of my deposit. I would be happy to provide any additional information or clarification that may be necessary. 

Thank you for your time and assistance in this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

We were forclosed on By Citi Financial on XX/XX/XXXX. We have worked for the last few years to build credit and save to get new home. Applied for loan earlier this year. Mortgage company found a discrepancy in filing date. Sent written request including letter from our attorney asking for a correction. None to date. 

They recorded XX/XX/XXXX. The mortgage company will not move forward until this is fixed. BTW at the time we thought and were told Cit was foreclosing on us not Citi Financial. all the same nest of thieves. 

We need you to ask Citi to correct the Registry of deeds.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received an email notification from XXXX that on XXXX, a Collections of {$91.00} from XXXX XXXX XXXX , XXXX ( XXXX Account XXXX ) was posted to all three credit reporting agencies. The debt was originally from XXXX XXXX XXXX. I've never lived at XXXX XXXX apartments and I'm a victim of identity theft. I've faxed ( XXXX ) and mailed ( XXXX. XXXX XXXX, XXXX, GA, XXXX ) copies of the police report, driver 's license, social security card, XXXX, utility bill, and rental agreement, to Equifax 's fraud department. XXXX disputes have been filed ( XXXX, XXXX, XXXX, XXXX ), and I've spoken to representatives XXXX on XXXX and XXXX on XXXX, and the Collections is still on my credit report. I've even filed with the XXXX, and it didn't resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX  XXXXBalance : {$0.00} ; XXXX  XX/XX/XXXX.
Product: Debt collection

The aforementioned credit collection agency representing whomever your Client is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and Equifax. This business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) they need to retract this from my credit file immediately.
Product: Credit card or prepaid card

I made a payment from my banks bill pay center. The payment was received on XX/XX/2023 and processed with XXXX XXXX on XX/XX/2023 per the deposit details on the back of the check. I have called XXXX XXXX XXXX in regards to my Indigo XXXX XXXX on XX/XX/2023. I have also faxed a copy of the cashed check, in which the payment has yet to be applied. 

They have also reported to the credit bureaus on XX/XX/2023, that my card was over the limit and that my usage was 107 %. Which has had a negative effect on my credit.
Product: Credit card or prepaid card

Saturday XXXX XXXX, 2018 I received an email from Bank of America to take a survey. I have NEVER took a survey before and it will be my very last one!! I have a pic of it too. At the end it stated I could win up to {$200.00}. So all I had to do to get some kind of skin cleanser was pay just for {$4.00}. It was on the Bank of America survey on my XXXX. I know I did NOT complete it, but a few minutes later I had an email from a company called XXXX XXXX XXXX which I never heard of and they charged my B of A credit card of {$4.00}. I called the number on bottom of receipt of XXXX and I called over a dozen times to cancel and they said they could find NO account for me even though there was an order number on my receipt and they charged that amount on my Bank of America credit card! I called B of A 10 times and told them every detail and spoke with fraud and dispute dept. and asked to speak to a manager every time and they would not do it! I have cried enough tears and I so upset as that skin company is a subscription and will take out {$69.00} every 30 days from my card and NO ONE can help me!!
Product: Vehicle loan or lease

I filed a complaint on Chase Bank about {$1500.00} that has not been credited to my account for a loan that was taken out on XX/XX/2019. Chase made ONE scripted call and nothing has been done. I checked the status with the XXXX  and it said closed because Chase called me? It was a token call with nothing being done just responding to close this complaint. This is horrible business by JP Morgan Chase. XXXX XXXX XXXX Tx is on the other end of this also. Chase had the check and said it sent it to XXXX XXXX of XXXX Tx but XXXX XXXX says it don't have it. I'm stuck in the middle paying interest on the {$1500.00} that I should not be. You might want to try another Bank and Dealership.
Product: Mortgage

My loan was transferred to a new servicer and they are not applying the payments I have already made to my original servicer. I am being harassed with phone calls, mail, and emails and have accrued interest and penalties even though my payments have been made. I have provided the requested proof and they are now requesting more information that is a burden on me such as my bank statements and I closed on this loan in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts : -XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX XXXXXXXX XXXX XXXX XXXX -XXXX XXXX Account # XXXX -XXXX XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax refused to remove multiple mortgage hard inquiries within 45 days from first inquiry.