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

On XX/XX/2017 my wife received a call from XXXX and associates stating that she owes a debt from over 20 years ago. Said that the following Monday judgment on a lawsuit would be placed and that the debt will be seized from our personal checking account. The company had all our personal information. I realized that it was a scam. They were going to charge my credit card for that alleged debt. I called my credit card company and told them that please do not accept the charges from that company because they were trying to scam me. They made 2 charges. One for {$1500.00} and the other for {$2500.00} for a total of {$4000.00} After the charges were made I submitted a dispute. Later the merchant sent them two forged receipts with my wife name. I sent them proof that the signatures were not alike but they still accept the fraudulent signature. It has been 3 years back and forth with the disputes. XXXX  and associates does not respond and I have reported them to various agencies. The only thing left to do is report my credit card for not protecting me from these charges. The credit card company obviously has not reviewed all the documents I have sent them because they keep sending me letters claiming that I signed for purchases. When obviously nothing has been purchased. They respond with pre-written letters. I need help with this issue because the debt is not mine and its not fair to have to pay for this and I do not think my credit should suffer from this because I have a good credit rating and I am responsible paying all my bills on time.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of identity theft. I have discovered that accounts have been opened in my name without my consent, and I want them removed from my credit history. The accounts are as follows : XXXX XXXX XXXX Last reported XX/XX/2025 {$770.00} Open balance XXXX XXXX XXXX Original creditor
Product: Credit reporting or other personal consumer reports

I do have a XXXX  XXXX XXXX XXXX with limit of {$10000.00} since 2021.Today XX/XX/XXXX at XXXX XXXX, received email from them that my credit card limit of {$10000.00} reduced to {$250.00} and reason is on basis of my credit score of XXXX XXXX obtained from Transunion. I attached that letter with this complaint. I did call XXXX XXXX XXXX XXXX at XXXX today XX/XX/XXXX and spoke with XXXX XXXX than her Supervisor XXXX XXXX and then he transfers to XXXX XXXX XXXX from XXXX PM to XXXX XXXX. Its surprised me when first person XXXX XXXX, with whom I spoke with her told me that she going to transfer to XXXX  XXXX  Team Supervisor. When XXXX XXXX come online and when I ask him if he is Supervisor from XXXX XXXX  Team Supervisor, he said No, he is just Supervisor above XXXX XXXX. He spoke with his XXXX and say that he will transfer to XXXX XXXX  Team Supervisor than put me in hold then after few minutes after he back and say he not allowed to transfer to XXXX XXXX Team Supervisor but transfer to his XXXX XXXX XXXX. XXXX XXXX said that we do not have a XXXX XXXX Team Supervisor and I guess she misguided me and also said that I should call Transunion who provide them that credit score and that credit score bring my credit limit down to {$250.00} only from {$10000.00} to {$250.00}. Further XXXX XXXX, XXXX told me that she is highest rank XXXX to reach by the consumer like me to any issue. With XXXX  XXXX XXXX XXXX When I call XXXX XXXX XXXX XXXX, before XXXX XXXX pick up the phone, its automatic system informed me that all calls are tape. So, credit card company do have all conversation in tape, if they do not provide you, I did tape this phone conversation and glad to provide to CFPB. After suggestion from XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX XXXX Customer Service dept. I did call on her suggestion to call Transunion XXXX as it also provided in their letter. So I did call Transunion today XX/XX/XXXX and spoke from XXXX pm to XXXX PM and spoke with XXXX XXXX at Transunion. She mentioned to me in their records still showing the limit on this particular card is still {$10000.00} and suggested me if its reduced to {$250.00}, I can dispute with Transunion. She further mentioned that Transunion use XXXX XXXX XXXX and might bank use the average credit score of three credit Bureau not just Transunion credit score on XXXX XXXX showing XXXX as per credit card letter XX/XX/XXXX to me. I asked XXXX XXXX do I have right to dispute this with CFPB. So I dispute with both in this complaint. What is my credit Sore on XXXX XXXX. Because XXXX XXXX XXXX XXXX decrease the limit from {$10000.00} to {$250.00} only on base of credit score obtained from Transunion was XXXX on XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Im in disagreement with the account listed below which stills appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are high injurious to my credit score. 

XXXXXXXX XXXX  ( Account Number : XXXX ) In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title IV, Section 611, please provide the names and business addresses of each individual with whom you verified above so I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Checking or savings account

Wells Fargo and Wells Fargo Advisors, have failed to supervise their Financial Advisors for improper use of their client directed Asset Advisor Accounts. Some Financial Advisors at the firm, utilize the account as a FA discretionary account. Instead of calling the client before placing trades, specifically elderly clients, about trades that are made in the account, the FA takes discretion and places trades. Some FAs also use the account to generate ongoing fee based business by placing securities in the account that are long term holds, with little or any other securities in the Asset Advisor Account. These long term hold securities should be placed in a regular brokerage account, where ongoing annual fees are not charged to the client. I have made Wells Fargo aware of these inappropriate uses of the Asset Advisor Account, to my immediate supervisor, XXXX XXXX, who has recently been fired. He was the Divisional President. In addition, I have made XXXX XXXX, Head of the Branch Network at XXXX, aware ... XXXX XXXX, President of XXXX, and XXXX XXXX, previous President of XXXX, and now President of the XXXXXXXX XXXX at XXXX, are also all aware, and they all have done nothing to stop it. The improper use of the Asset Advisor Account in order to generate fee based revenue is a systemic problem at the firm across their entire footprint. I can attest to this and provide evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several 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 do not 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 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 or prepaid card

Asked state employees credit union in XXXX nc for my credit card to be increased and was told because I had a lose in my business that I couldnt get it I was told I have a great pay history but because I had a lost they can not increase my credit card 15 U.S. Code 1681g - Disclosures to consumers
Product: Vehicle loan or lease

XX/XX/2016 GM financial hired XXXX XXXX XXXX XXXX to repossessed ( Steal ) four vehicles that they did not own titles or leans or have any financial obligation to. I had a loan that I was making payments on. I made payment arrangement with a rep and was keeping my obligations with the payments and never once informed that the vehicle was in a repo status. One morning about XXXX I went out to go to work and three of thefour cars were taken without my wife permission or knowledge, The police department was notified, we were informed they were repossessed. I explained and showed XXXX XXXX Police department that 1 vehicle was paid off and the other two were current and financed with other companies. I provided letters from the financial companies showing that the vehicleswere current and under no order of repossession.. XXXX police finally took the police report. Later that evening we received a call from XXXX XXXX XXXX XXXX saying that our vehicles were taken by mistake and they want to bring them back. When asked how did they get this number they would not say. Once the auto theft unit got involved the owner of the tow company meet with us and police. XXXX the owner showed my wife and I and gave XXXX police a copy of the repossession order requested by GM financial to repossess five vehicles and offered bonuses for each car they retrieved. None of the cars taken were financed by GM Financial. three of the vehicles were in my wife name who do not have an acct with GM. Gm called and on a recorded line stated well you have them back and offered no explanation but stated what are you going to do about the XXXX. Once they learned that the police were involved we did not hear from them for a while. They have charged Off the loan and put the charge off on all three credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

File # XXXX of TransUnion was suppose to update information for the XXXX XXXX account. The account shows bal {$650.00}. That is incorrect. The XXXX XXXX account is at {$0.00}. I submitted a request to TransUnion to update the account. It states on the website it was updated XX/XX/2020. You can verify the attached download information-page 2 ; but, it was not.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus such as XXXX XXXX, and Experian are reporting inaccurate information on my credit file. They are reporting a derogatory account XXXX from XXXX XXXX XXXX  as past due for {$21000.00} and this is inaccurate. The account has been settled and PAID OFF IN FULL. I would like this account corrected and the derogatory status removed from all of the credit bureaus database. I have disputed with the credit bureaus both by phone and letter and they refused to delete the information.
Product: Mortgage

I am working with an account manager, XXXX XXXX, with Fay servicing, and I have been unable to get the proper information about my modification request. The first time I applied, I was told the time had lapsed and I needed to reapply. The next time, I was told I was denied, but this was a verbal conversation, I asked XXXX XXXX if I was going to receive a letter, I was told yes. I never received any communication about the denial in writing until XX/XX/XXXX, which was approximately three weeks since that verbal conversation with XXXX XXXX. I also informed XXXX XXXX that my status had change in terms of income, and he told me they could add it later, nonetheless I was denied without requesting that I provide the additional income. However, I was sent another letter informing me to reapply for the third time for a loan mitigation assistance, which was dated XX/XX/XXXX, but postmarkedXX/XX/XXXX and I received it on XX/XX/XXXX. Attached are copies of the letters, thus the representative is extremely impotent towards me.
For that reason, I decided to work with a Hud counselor, XXXX XXXX, at Incharge Debt Solutions. On XX/XX/XXXX at XXXX, she contacted the lender on my behalf to get a clearer understanding about my loan. I was also on the call. The representative was again rude. XXXX XXXX had to tell XXXX XXXX that he was getting emotional about the questions. XXXX XXXX questioned why I was not told about the appeals process, and XXXX XXXX stated that he had never heard of the appeals process being successful. XXXX XXXX continued to interrupt him and correct him. I do not believe Fay Servicing is handling my loan appropriately. I am continuously told to reapply, and I am never receiving any written communication informing me of the status or my options except for the letter dated on XX/XX/XXXX that I received on the XX/XX/XXXX, which emphasized that we are eligible for a Fay Servicing Short Sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged debt ( collection ) from XXXX is still reporting on XXXX and TransUnion. I sent a debt validation letter to the creditor requesting validation of the alleged debt through demanding a request for accounting, in accordance with the Uniform Commercial Code, UCC Article 9-210. They failed to provide me this, because they didnt provide me adequate validation since they didnt provide me with a record AUTHENTICATED as the law says ; so this reported information is not only invalidated but inaccurate and a clear violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX and TransUnion is participating in fraud with XXXX and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer report and I am willing to take legal action against both parties should this information continue to stay on my credit report.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

The loan was bought from a phantom bank called XXXX, which I can find no such name or prior information about. The interest on my loan has almost double the amount owed. They have only ( 2 ) options when you 're in financial destress, and once those options are exhausted XXXX claims there is nothing else that can be done to assist in repayment. They claim it is based on an agreement from the original lender which I can find no such trace of online. Thus causes your account to go into default even if you are trying to make payments. It 's unfair to purposely set people up for failure. The troubling issue is that they are holding me to a promissory note from a bank that I can not locate any information about, from, or to know that it even truly existed.
Product: Credit card or prepaid card

This occurred on XX/XX/2023 When calling Chase from a different number the auto attendant prompted me to enter either the entire account number or the username. It did not recognized the username and it is a big security issue to give my entire account number. There was no selection to get to a live human being. I finally got to a person by saying my card had been stolen. She saw no problem with me providing an account number over an unsecured phone line. She also was unaware how easy that information could be used for identity theft. This practice should be illegal and Chase needs to have a better auto attendant.
Product: Debt collection

MRS BPO LLC sent communication via mail dated XX/XX/2022. XXXX XXXX has no business with this company nor does the company have authority to any communication. WHO is sharing my private information? I have no interest in conducting any business with MRS BPO LLC, I have no idea who they are. They claim I owe a debt of {$2200.00}.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$690.00} XXXX XXXX XXXX XXXX Balance Owed : {$890.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$690.00} XXXX XXXX XXXX Balance Owed : {$890.00} XXXX XXXX XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$1100.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/XXXX I noticed XXXX bankruptcies was reinserted back on my credit report with XXXX. I disputed it last year in XX/XX/XXXX and it was verified that XXXX XXXX which is their furnisher did not have any bankruptcies on my consumer report with them. XXXX deleted all XXXX off of my consumer report. They are in violation of the FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy, Duties of furnishers of information to Consumer Reporting Agencies. also 15 US 1681e Accuracy of Information.. Also Equifax has so many inaccuracies in reporting accounts number, date of opening accounts, dates of last activities and amounts and also inaccurate personal information ect. I am also uploading the copy of showing absent credit reports from XX/XX/XXXX thru XX/XX/XXXX. I am requesting {$1000.00} per inaccuracies from XXXX. Experian and XXXX is also reporting inaccurate information such as the dates reported, the amount, the date opened the status ect. All three Credit Bureaus are reporting inaccurate information on my consumer report. FCRA Law states that as a consumer we are to have an accurate consumer report with all three credit bureaus, with all of them stating the exact same thing reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
XXXX
Product: Credit card or prepaid card

I received a {$50.00} prepaid Visa card ( managed through myprepaidcenter.com ) as a gift. I received the card in XX/XX/XXXX and the card 's expiration date was XXXX. I called MyPrePaid 's visa line to request a new card or receive a check, but I was told that they could only issue a new card and it would cost {$15.00}. The card states " funds to not expire, '' suggesting that I should have access to all my funds. Moreover, I discovered that they have been charging me a " Post-Expiration Monthly Account Management Fee '' of {$3.00} without alerting me of this since XXXX. This is highly predatory. As I understand it, according to the CFPB website, I am not allowed to be charged a fee ( Link : https : //www.consumerfinance.govXXXX ). Is what they 're doing illegal? Can you help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

i have asked XXXX to send me me credit report to see my history and score but its saying error. i called them they gave me a claim number. i keep on sending them my personal as gov id, ssn, utility bill, and proof address. every time i send them my info to them they send me a letter to send them all these info again. they keep on sending me the same letter with different case number.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I closed XXXX account XXXX when XXXX refused to remove a {$27.00} late charge on a {$42.00} bill for a 28-year customer. I asked XXXX to send me a final bill, which they did not. Instead, unbeknownst to me, XXXX kept my online account open and kept posting bills and bogus late fees to it. When XXXX finally contacted me directly on XX/XX/XXXX, I promptly paid the {$52.00} bill and XXXX waived all the bogus late fees. Transunion, XXXX, and XXXX refuse to remove the transactions from XX/XX/XXXX to XX/XX/XXXX even though they are the bogus late fees that even XXXX removed. This has taken my credit score from XXXX in XX/XX/XXXX to XXXX today ( XX/XX/XXXX ). I have already been denied one credit card based on these bogus charges. Basically, I had no notice of the bogus late fees from XX/XX/XXXX to XX/XX/XXXX. The dispute numbers with TransUnion, XXXX, and XXXX are XXXX XXXX XXXX, XXXX, and XXXX, respectively. Attached is the XX/XX/XXXX XXXX statement, posted to my online account after I closed my account in XXXX, showing the final {$52.00} bill and my FICO score of XXXX. I was unaware of this bill until XXXX called me on XX/XX/XXXX, reasonably thinking that my online account was closed along with my credit card in XXXX. Also attached is the current XXXX statement showing that XXXX waived all late fees and my current FICO score of XXXX. Note the mistaken {$0.00} that XXXX refunded my account in XXXX and then charged back in XXXX showing how dangerous leaving this account open is to consumers. TransUnion, XXXX, and XXXX dispute results are additionally attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is reporting an old debt as a new debt that will allow them to collect beyond the 7 years and makes me look as a high risk to lenders with a newly reported collections account.
Product: Debt collection

This auto debit I am no longer responsible for considering the natural of the issue.
Product: Credit card or prepaid card

My Visa statement shows a {$200.00} payment to PAYPAL *XXXX XXXX for {$200.00} on XXXX XXXX, 2020. 
This donation was for an organization I have supported, but the amount is usually for {$100.00}. 
I question the legitimacy of this charge for 3 reasons. 1. The amount is not the usual amount of my donation. 2. I have not received the usual acknowledgement of my donation. 3. On the XXXX ( the organization I intended to donate to ) web page, there was an area with a " donate '' icon and 4 credit card icons. When I clicked on the donate icon I was transferred to the PAYPAL XXXX XXXX site. I foolishly entered my information and made the donation. 
I have been in contact with PAYPAL and the XXXX XXXX and they give me no assurance that the donation went to the charity. 
I've since " XXXX  '' XXXX XXXX and see that it has a reputation for fraud.