23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I revived an email from XXXX XXXX XXXX XXXX XXXX. 
I was informed that i had a pepaid card to redeem. 
After a search to make sure it wasn't a scam. 
I went ahead and redeemed the prepaid card on XXXX XXXX XXXX  after reviewing their terms I noticed a monthly fee of {$5.00} if the card wasn't used. 
So I called on the same day to cancel that card in fear of being charged any fee. 
No matter what I did I wasnt able to get ahold of a single person or cancel the card. 
After many Searches I can't find any way to cancel the card. 
What can a person do? I have never seen a fee for not using a card.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is a need to insure that consumers reporting agencies exercise their grave responsibility with fairness impartiality and a respect for the consumers right to privacy : subject to subsection ( c ) ant consumers reporting agency may furnish a consumer report under following circumstances and no other ( A ) In accordance with the written instructions of the consumers to whom it relates : reporting information with actual knowledge of errors ( A ) 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 With that said I wish to have items remove ASAP
Product: Consumer Loan

Previously had a vehicle loan with XXXX c. XX/XX/XXXX, which was sold /assigned to Santander USA ( c. XX/XX/XXXX ). This was for a XXXX Ford Explorer. Between XX/XX/XXXX and XX/XX/XXXX I was underemployed, then later unemployed. In approximately XXXX, XXXX, the vehicle sustained either internal or external damage to the Transmission. The Transmission was found to be in need of repairs that would cost somewhere between $ XXXX {$1500.00}. I subsequently sold the vehicle as scrap to a junkyard. 
Santander HAS CHARGED THE REMAINING BALANCE OF {$800.00} OFF. 
They are now calling me ( from : XXXX ) ATTEMPTING TO COLLECT THIS DEBT. I know longer have the vehicle.
Product: Money transfer, virtual currency, or money service

Dates : XX/XX/2022 Amount : {$160.00} I contacted the bank immediately, specifically two hours after notice of fraudulent act. JP Morgan Chase claims that they can not cancel the transaction since it is is through XXXX, and the deposit has already been delivered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been informed that there is negative information reported by the Following companies in the file you maintain under my Social Security number : XXXX ) Account name : XXXXDEPT OF ED Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : XXXX XXXX XXXX  Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : XXXX XXXX XXXX  Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : US DEPT ED Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : XXXX XXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX I AM A VICTIM OF IDENTITY THEFT These accounts were opened FRAUDULENT There are errors within the account information Upon reviewing a copy of my credit report, I see an entry listing CLOSED OR COLLECTION, such as I owe said amount or my account was charged off said amount ] in [ month/ year ]. 
I challenge the accuracy, compliance and reportability of this listing. Please validate this information with [ name of creditor, collection agency, or court ] and provide me with copies of any documentation associated with this account, bearing my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XX/XX/XXXX) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$3900.00}
Product: Debt collection

I have been battling XXXX for 2 years while caring for a baby as a single mother. Unfortunately I got behind on my bills and one bill collector located in XXXX - Cohn, Goldberg and Deutch ( XXXX XXXX XXXX, XXXX, MD XXXX ) has been especially aggressive and nasty in pursuit of collections. On Tuesday THIS WEEK -- in the MIDDLE OF THIS CRISIS I was purchasing groceries at the grocery store and my card declined. This collection firm emptied my bank account to - {$11000.00} in the middle of a crisis. I do not work and the money they collected was my XXXX payment. They did not leave me with a single penny. NOTHING to purchase essential food items for me or my child. They have since attached my bank account. No money for food and basic necessities, no access to the {$750.00} I had to care for myself and my child. HELP! I am still on XXXX for XXXX. I have never heard of such an unkind form of behavior in my life. I am very afraid for me and my child 's well-being. I do not know if you will get this message or be able to offer help, but it would be so appreciated. I am afraid and I feel attacked by this company during a VERY stressful time in my life where I am afraid for my health and life.
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 1692c ( c ) Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All of these accounts has violated my rights. Section 1692c ( c ) states that a debt collector must stop contacting the consumer if the consumer askes them in writing to cease all contact. If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXXXXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has suffered a huge data breach. They will not confirm or deny my credit data was stolen. I am only offered an option to check after 7 days. Also they are trying to charge me money to freeze my credit report. Seems outrageous after they allowed their systems to be hacked and now want to charge me to protect my credit rating ...
Product: Debt collection

This is a violation of my Hipaa Law Right they recieve my Personal medical information and claim they XXXX XXXX XXXX XXXX XXXX attach is the letter along with the information they received from the medical center
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft, me and my son revised my credit and there are things that are not mine please help me delete them
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States. If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001 Additionally these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All is being investigated by the FTC.
Product: Debt collection

My identity was stolen years ago when I lost my wallet in the parking lot of a theater. I took all the steps necessary to alert everyone of what had happened, however, sometime after this happened I began to get debt collection calls from different agencies. But I didnt know what to do about it, and I was able to get along fairy normal after this. Earlier this year, though, I learned how to combat identity theft. I submitted all the paperwork necessary to the bureaus to let then know what had happened with my identity. Most of the fraudulent information has been removed. However, there are still XXXX accounts on my Equifax report that have not been removed. It has now been about XXXX months since I first sent out paperwork to the creditors and to the bureaus, and nothing has been done.
Product: Credit card

Made a hotel reservation on XX/XX/XXXX XXXX XXXX XXXX XXXX online. The receipt that was emailed said Guest Reservations not XXXX XXXX. I called and they said I just made a non refundable XXXXXXXX XXXX XXXX  The amount billed was {$270.00} more as. Recovery fee that wasnt disclosed. Called Customer Services immediately and spoke w XXXX who gave me a cancellation number. Called XXXX XXXX XXXX XXXX XXXX who asked me to XXXX XXXX cancellation code from XXXX. Then The hotel made a new reservation for me which was legitimate and they cancelled the XXXX Reservation. I called on XX/XX/XXXX my new Chase Bank credit card to dispute the fraud charge and they put a credit on my account. They asked for more details which I mailed better and then faxed to a Chase Bank dispute center. Chase Dispute Center determined it was a valid charge without providing any evidence to me. They rebilled my credit card for the {$1000.00} on XX/XX/XXXX. I called the XXXX phone number for XXXX posted on my Chase credit card statement. The no name company put me thru to a representative who informed me that Guest Reservations Escalation team had identified the transaction as fraud on XX/XX/XXXX or XXXX. I asked why it was posted to my account. Told them I wanted a refund and they agreed to give me one. XXXX at Guest Reservations the XXXX XXXX XXXX XXXX spoke to me today to confirm they have tried to my Chase card account since XX/XX/XXXX but Chase Bank XXXX has refused to accept the refund. Please help me get my refund and make sure this never happens to other Chase and XXXX customers in the future. XXXX XXXX XXXX  XXXX XX/XX/XXXX article states that Chase Bank has not authorized refunds to customers claiming fraud and they do not have a transparent dispute resolution process evaluated by an independent third party. This has been my experience as well.
Product: Credit reporting or other personal consumer reports

I am writing to address an issue I encountered while reviewing my credit report from Experian. I noticed that some of the personal information listed is incorrect and inaccurate. To ensure the accuracy of my credit report, I kindly request assistance in updating my records with the correct information. Thank you for your attention to this matter. Please remove all addresses listed on my Experian credit report XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I write to lodge a formal complaint against XXXX XXXX, Mortgage Loan Officer ( NMLSR # XXXX ) at Truist Bank, for willfully violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 etseq., by pulling my credit report without my explicit, informed consent. 

Facts & Misconduct On XX/XX/year>, I asked XXXX XXXX in writing and via textthat no hard inquiry be made on my credit report without my prior, express authorization. 

XXXX XXXX unequivocally replied : Ok sounds good. Ill be sure to discuss with you before I pull. 

Immediately after I just submitted my basic information, and without any further discussion or consent, XXXX XXXX initiated a hard pull. I only learned of this when XXXX notified me. 

XXXX XXXX unauthorized action has already harmed my credit score. When confronted, he ignored my protest and later cited my visa status as the reason the loan could not proceedwithout apology or remedy.

Legal Violations 15 U.S.C. 1681b ( a ) ( 2 ) ( Permissible Purposes ) : A consumer reporting agency may furnish a credit report only in accordance with the written instructions of the consumer. XXXX XXXX had no such written authorization at the time he pulled my credit. 

15 U.S.C. 1681b ( f ) ( Consent ) : Any hard inquiry requires the consumers written instructions, which must be signed by the consumer. Text assurances alone do not satisfy the FCRAs requirement for written instructions to authorize a hard pull. 

Willful NonCompliance ( 15 U.S.C. 1681n ) : A willful violation of the FCRA entitles the consumer to statutory damages ( up to {$1000.00} ), actual damages, and attorneys fees. By promising to obtain my consent and then deliberately ignoring that promise, XXXX XXXX conduct was knowing and reckless. 

Requested Relief Immediate removal of the unauthorized hard inquiry from all credit reporting agencies and full restoration of any credit-score damage. 

A formal, written apology from XXXX XXXX and Truist Bank acknowledging the breach of FCRA and the harm caused. 

A thorough CFPB investigation into Truist Banks policies and training to ensure compliance with FCRA 1681b and to prevent further unauthorized credit pulls. 

Notification of any corrective actions taken by Truist Bank, including disciplinary measures against XXXX XXXX and any consumer redress programs. 

I reserve all rights under the FCRA, including to seek statutory and actual damages, injunctive relief, and attorneys fees. Thank you for your prompt attention to this serious matter. 

Sincerely,
Product: Credit reporting

My wallet was stolen XX/XX/2005. My I.D . and social security card were in it. Since then collection bills, installment loans, and credit inquiries are now showing up on my credit report and I have to dispute them directly with the credit bureaus. I have had no success in having these items removed from my report so far. I am requesting that a further investigation into these claims against me be looked into by the consumer financial protection bureau. To protect my rights as a borrower, and to exercise my rights into the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXXPurchased mattress and mattress cover from XXXX XXXX XXXX  XXXX AL.XX/XX/XXXX Called XXXX XXXX XXXX to Pick Up and Return Misrepresented Items Sold to Me. Called XXXX and XXXX XXXX to Advise of Return and Credit to Accounts. XXXX entered a dispute claim and has subsequently credited my account for the taxes and delivery fees charged. XXXX has not credited my account despite adamant assurances by representative XXXX that my account balance was showing a {$0.00} balance ; that XXXX had no pending charges to my account ; nor any authorizations for charges by XXXX XXXX XXXX or any others to my account ; and, that no charges could be placed on my account once I authorized my account to be closed that evening as she recommended ( Note : My account is not showing that account was closed at my request, just that it was closed!!! )XX/XX/XXXX XXXX XXXX XXXX XXXX Driver Picked Up Misrepresented Items for return after I waited all day for them, because they do not provide a specific pick up time frame -- inconsiderate and inconveniencing the customer with their XXXX open pick up time.
XX/XX/XXXXXXXX XXXX Charged My Account for XXXX XXXX XXXX Items returned onXX/XX/XXXX, despite assurances otherwise. Balance owed of {$1400.00} showing up on Experian, not XXXX or XXXX. This has caused an adverse effect on my previously excellent credit scores and reports.
I am requesting that this balance due be corrected to reflect a XXXX  balance at XXXX XXXX, Experian, XXXX, and XXXX for the returned items that were misrepresented to me by XXXX XXXX XXXX ; and that my credit scores be returned or elevated back to their high and excellent levels prior to this deceptive situation ; and, that updated reports from all reporting agencies be sent to me and others accessing my reports within this time frame.
I also want to make other consumers aware ( Buyers Beware ) of the deceptive non-return policy of XXXX XXXX XXXX XXXX not wanting to pick up merchandise for 30 days ; the misrepresentation of the contents and feel of their merchandise in the store vs what is received. Also, the inaccuracies and untruths told by representatives at XXXX XXXX ; and the inaccurate reporting by Experian Credit Reporting Agency.
Your very prompt attention and cooperation in all these matters is most appreciated.
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I got approved a Citibank advantage credit card which is promotion XXXX miles after XXXX spend in XX/XX/XXXX. I also do receive email from them XXXX miles after spending XXXX after I approved their credit card. I called them requesting match the offer when I received their new card. Their supervisor told me he approved the offer and confirmed it. When I finish my XXXX qualification. I called them to ask about another XXXX miles. They said will pay me soon. In XX/XX/XXXX, I received the another XXXX miles instead of XXXX miles. I called them again they said will pay me another XXXX miles later in XX/XX/XXXX. But I still not receive another XXXX miles until now. I called them today again. Their supervisor named XXXX is very rude to me. Told me they can not pay me another XXXX miles because they changed the policy. What? This is very ridiculous. I called them many times, they promised me pay me soon. But they changed the story. I want to my XXXX miles. They should honor it that they promised it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Product: Debt collection

I have a debt collection but the debt collector doesnt not have my info for the account even tho it shows they own the debt
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. A charge off resulting from identity theft was reported on my credit report. I completed and sent an FTC report and proof of my identity including a copy of Section 605 B of the Fair Credit Reporting Act to XXXX, XXXX, and Transunion. XXXX and XXXX have properly removed and blocked the incorrect information per Section 605 B of the FCRA, while Transunion has declined to do so.
Product: Debt collection

XXXX XXXX keeps reporting the same time barred debt on my XXXX  Credit report I have disputed several times and XXXX  says they verified it was mine and leaves it on my report XXXX XXXX changes the open date and account number so that XXXX  claims it not to be a duplicate Debt. This is a HSBC account that has has no payments made previous to XX/XX/XXXX. That is the last email confirmation I received from them before the debt was charged off so obviously payments were not being made months previous to this date. I have contacted XXXX and they refuse to remove the Debt even when I sent them proof thats its time barred and they can no longer report. XXXX XXXX claims they do not have to follow California 's guidelines. I have asked for proof that this is a new debt as they are reporting an open date of XXXX and XXXX and they do not provide anything because they don't have it. XXXX at XXXX XXXX even admitted over the phone it was a old HSBC debt. XXXX also admitted they changed the dates to current dates to be able to report in hopes to get some money. My other credit cards are decreasing my limits and I can not refinance my house to pay my medical debts from XXXX XXXX do to XXXX XXXX incorrect reporting of this time barred debt. It is crucial that this gets taken care of correctly
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and correspondence from Experian, XXXX and XXXX stating that my file was modified however they did not remove the 30-day late per my request. Im trying to improve my credit and take care of my responsibilities and noticed this inaccuracy on a few accounts that I wanted a little more explanation on. My score went from XXXX to XXXX with this misreporting. Im fully aware about the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am writing to request information about the multiple accounts XXXX XXXX XXXX on which is reporting on all three credit bureaus EXPERIAN, XXXX, XXXX credit report in which you continuously state verified but continually refuse to show evidence. As per Section 609 of the Fair Credit Reporting Act, I am entitled to see any sources or documents you have on record regarding these accounts, including the original contract with my signature and the credit application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you that I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00}.
Product: Debt collection

Portfolio Recovery Associates call each day from a different phone number to collect a debt that is outside the statute of limitations.