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

On XX/XX/year>XXXX XXXX XXXX XXXX XXXX I submitted a dispute to Equifax regarding inaccurate information on my credit report related to too old accounts ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and collections ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) I provided supporting documentation, but as of today, I have not received any response or acknowledgment from Equifax regarding my dispute. 

I have made efforts to follow up but have not received any updates, resolutions, or communication explaining the delay. This lack of response is causing financial harm and affecting my ability to get approved for homes for my family and I. I am requesting immediate action to address this issue and confirm the resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fedloan is reporting I missed XXXX  years with of payments which is untrue. They are reporting the same missed payments over an over and over again. I want proof that XXXX XXXX XXXX has XXXX missed payments from fedloan or remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022. I noticed an unusual report on my credit report. And because of that, I lost almost XXXX points on my credit score. A company called XXXX XXXX XXXX XXXX, also going by the name XXXX XXXX XXXX showed up on my report for collections with a balance of {$2300.00}. Not only I have never heard of that company before, but I also never contracted that balance with any company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help me. I have been fighting with Equifax about accounts they report but there is not even enough information to know who the companies are. They are the only ones reporting several medical accounts. None of which I received any type of communication for and I have not been to the doctor in years. I have attached a copy of my credit report showing the items in question and showing that for whatever reason Equifax is the only one reporting false information.
Product: Debt collection

I asked for agreement that bears the signature of the alleged debtor, detailed payment history and proof that I am indeed the party you are asking to pay this debt,
Product: Money transfer, virtual currency, or money service

I tried to send money through instarem. My account was blocked and I wasn't provided with a reason as to why.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, XXXX, Experian numerous times in regards to my personal credit report concerning inaccurate reporting. Unauthorized inquires, I have a fraud alert on my credit report though XXXX still allow my credit to be checked, also wrong addresses, phone numbers, and place of employment.
Product: Credit card

I received a letter dated XX/XX/ from Citizens Bank saying that they were unable to approve my recent application for a credit card account. The letter said the reason they weren't able to open an account was that they were unable to verify information provided on the credit application.
Product: Prepaid card

On XXXX XXXX XXXX I purchased a gift card from XXXX XXXX  Online through my online account. I have done this many times and went ahead and placed the gift card on my Google Account. I don't always like using my debit card at places so gift cards work out really well. I went to go ahead and make the purchase and immediately it pops up on my screen saying : " Your transaction can not be completed. To proceed, please submit the required documents by completing this form. We recommend you not to redeem anymore google play gift cards on this account until you receive a response from us for your submission. [ XXXX ] '' So I submit the form and provide the information of the gift card and get an email shortly after saying this : Hi, Thanks for contacting Google Play Support! Were reviewing your message, and well contact you as soon as possible.

In the meantime, you can reply to this email if you have more details to add, or you can review our Help Center for additional resources.

Thanks, The Google Support Team I then replied back to them asking if I could get my account fixed so I could use my gift card and sent them a copy of my email receipt, gift card and the email that was sent from XXXX XXXX with the gift card. A few hours later, I got this reply : Hello, Thank you for your patience while we reviewed your account. We have identified some inconsistencies with your account and the information you provided us. As a result, we are unable to help you redeem these gift cards. 

Thank you, No words of what is going on, how to fix it, if they need anything from me. This is a VALID gift card that I paid XXXX dollars for and is now stuck in limbo and I'm furious that they are stealing that money! I can make purchases with my card, but they have locked my account from being able to use my gift card balance and I'm wanting this fixed! 

All screenshots of everything below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX XXXXXXXX {$120.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$7000.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$270.00} XX/XX/XXXX XXXX
Product: Credit card or prepaid card

In reviewing my transactions on XX/XX/2021 with a representative at XXXX, ADP card services, it was brought to my attention that there were many unauthorized charges in the amount of {$1100.00} on my account with a company called XXXX. I explained to the rep that the charges were fraudulent and I have never had a XXXX account or used their services and would like to dispute the transactions. A dispute investigation was opened and the compromised account was closed and I was issued a new debit card. On XX/XX/2021 I was asked to sign and submit a Statement of Fraud form which I did and emailed it to the Dispute Department on XX/XX/2021. On XX/XX/2021, I received correspondence from XXXX, ADP indicating the investigation was completed and it was determined that the charges were legitimate and I would not be able to recover any of the money stolen from my account and the investigation was closed. I immediately called to discuss this decision as I was extremally upset by this. The rep I spoke with on XX/XX/2021 told me that based on what they determined I must have had an account with the merchant to make these charges. I explained over and over again that I do not nor have I ever had an account with XXXX. The rep stated that I could send a written request to receive the investigation materials and or provide proof from XXXX that I am not in their system as a customer. I was provided a telephone number that does not work to speak with someone at XXXX is nearly impossible in order to provide this proof to XXXX. I just want to recover my money. I placed another call to XXXX  on XX/XX/2021 with my mother to gather more information on how it was decided to close the investigation. If I'm having a hard time contacting XXXX  about these charges, who did they speak with to decide it was me that made all these charges and closed the investigation without really investigating I was passed around to numerous departments with no one really providing any assistance and finally after two hours of this, I was disconnected and no one bothered to call me back. Why ask for a call back number if you are disconnected and then when you are disconnected no one calls you back. I now have to call back and get back in the que and wait 40 plus minuets for another rep to start this process all over again. I feel as though XXXX  has handled my situation completely unprofessional and non caring which is unacceptable as a customer who had his hard earned money placed into this company hands and this company has no regard or protection to help me recover what belongs to me which I worked hard to have and not be stolen from me. Not one rep could answer if my funds were FDIC insured.
Product: Credit card or prepaid card

I paid {$710.00} usd to a person that sent me an empty box. Box was received XX/XX/2022 I made the purchase on XX/XX/2022. It was for a XXXX XXXX XXXX XXXX XXXX was a standard sized XXXX. Well when the box arrived I noticed it was empty. I then started to examine the box to see if maybe something happened along the way. Upon further investigation I noticed that the box was small, I then put another record to the box that arrived to find out it was impossible to be able to fit a vinyl record inside of a white large flat rate usps box. I provided exchange between me and the buyer, I provided photos of the box with the mailing label stickered on from the post office. I then provided photos of the box with other exactly same sized XXXX XXXX  showing proof it would have been impossible to fit that in. My bank keeps denying me a refund. Always close my dispute within a day or two not doing the full XXXX investigation to properly solve this issue. Ive had different managers tell me not to worry once they view the evidence Ill be able to get a refund. I again got denied today. I thought my bank was supposed to protect me and they have not. Ive been a customer over fives years with them with no other complaints or disputes filed on my part. I just want my money back and extra as well for the stress this has caused me. The feeling of not being protected, the feeling of stress dealing with your bank is crazy.
Product: Credit reporting, credit repair services, or other personal consumer reports

HARD INQUIRIES I DO NOT RECOGNIZE:
-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX, XXXX # XXXX
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 XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report CONSOLIDATED XXXX XX/XX/XXXX XXXX OF XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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: Mortgage

Weve had this loan ( refinanced a couple years ago and the loan was sold to suntrust ) and hadnt had any issues until we signed up for bi-weekly payments. Since signing up the bank has had a hard time applying to money they take from our checking account ( we have automatic withdrawal ) to the mortgage. Twice they took the money and kept it in a holding account and then sent us a letter saying we were going to be late. We got that figured out twice. Then now I check the mortgage and the loan amount has gone up by {$1000.00}. Loans are suppose to go down. Well we had {$4000.00} in a holding account but their app was telling me that the payments were being applied. So now they have our money and are charging us interest on a loan theyre not paying. That is theft in my opinion. Weve had no-weekly payments set up since XXXX and have yet to have they payments applied correctly
Product: Checking or savings account

I was charged a bunch of late fees when I had my account with Navy federal that it ended up not being possible to keep my account open. I tried calling not long ago and then lost access to my online banking for navy federal.
Product: Credit reporting or other personal consumer reports

I requested my report, in the mail i received notification they didnt have it or could not verify me, i contacted them on XX/XX/XXXX and was able to get my identity verified They sent me a letter with a link to my report which i could not access, i contacted support via email, they tell me to call, i can not get through to a live individual I contact them via email and ask for a supervisor, they refuse to comply and thus have not provided me with the report i have asked for
Product: Debt collection

I requested a debt validation letter and never received one instead sent me a letter rejecting my request and have been in review for over a month. The name and address of the original creditor, the account number, and the amount owed was never sent to me.
Product: Debt collection

I consumer XXXX XXXX entered into a consumer credit transaction with XXXX XXXX of XXXX XXXX XXXX XXXX. A consumer credit transaction in which a finance charge was Involved. A finance charge is the sum of all charges in a consumer transaction. The finanace charge does not include cash, but XXXX XXXX of XXXX XXXX took cash. The finance charge is supposed to include insurance but XXXX XXXX of XXXX XXXX made me purchase my own insurance separately.
Product: Credit card or prepaid card

I have a Paypal Smart Connect account and also had a PayPal credit card which I was told were two different things. My credit card account was closed over a year ago because I never used it. However, I do have a balance on my Smart Connect account which I pay on time every month. Recently I noticed that the bank was consistently taking out a fee for {$47.00} on the credit card even though the card had been closed. I was told that I signed up for this security fee in 2013 when the card was obtained ; however, I have no recollection or knowledge of agreeing to pay {$47.00} a month. When I called about it I was told that I would be issued a check within 30 days for XXXX. That check was never issued to me. Instead my Paypal Smart Connect credit limit was dropped from XXXX to XXXX. A third party company named XXXX XXXX ( Synchrony Bank ) apparently took the money that they owed me and put it on my Smart Connect account, although my account has never been behind. Then I conveniently received a letter stating that my credit limit was dropped again conveniently by XXXX. They gave the reason as being I have a high debt to ratio even though I have not been late with any payments. Also, they do not know what has occurred in my life in the past year, and it is extremely insensitive that banks can bully and treat good customers in this manner. I feel as though the way the bank did this was underhanded and unethical. They took money from me every month to pay fees on a card that no longer existed. They never paid me back the money, but lowered my credit limit and took the money, claiming to have put it on my Smart Connect account which I did not authorize. In addition, my credit report does not show that XXXX came off of my debt. It shows that my credit limit is XXXX. Also, there is no record on my Paypal account that this payment was made. Even though this payment was made, the bank still required me to make another payment on my account of {$70.00} a few days after they received XXXX.
Product: Credit card or prepaid card

Upon checking my credit report, I discovered that Walmart placed 3 derogatory marks on my credit report about an account that I have with them. The following was written on my credit : XX/XX/XXXX, 30 day late, XX/XX/XXXX, 60 day late and XX/XX/XXXX, 90 day late. This account has never been 30, 60 or 90 days late. The minimum payment that was due in on XX/XX/XXXX was XXXX dollars, which Walmart debited out of a XXXX XXXX account. From there, a minimum payment is due on or before the first of each month. They have been getting their monthly payment every month. I would like this derogatory marks ( s ) removed off my credit. I wrote a letter disputing this and no response was received from Walmart. On XX/XX/XXXX, I called Walmart and asked why they reported inaccurate information ... the rep told me that although I pay every month on the first, they cut their statements off on the XXXX of the month. I don't understand what the rational is. i pay every month on the due date. 

This inaccurate information on my credit report is defaming my character and preventing me from getting credit.
Product: Mortgage

We feel that we are being treated un fair and that there are deceptive practices happening with the 1st and 2nd lien holders of our mortgage. Both the 1st and 2nd lien holders know that we have a solid sales contract to sell our property but due to the fact of being behind of on our mortgage they are threatening and forcing us to pay unnecessary attorneys fees by sending our loans to foreclosure. Despite following all of their rules and requests they are still stating that the sales contract   that is currently in escrow is of little meaning and that we will need to pay these attorney fees. Shame on you Wells Fargo  and  XXXX  for taking the little guy out even though they have worked their hardest to pay their obligation in full back to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit Reporting act XXXXXXXX XXXX  XXXXXXXX  # XXXX, and XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX # XXXX, XXXX XXXX # XXXX, And XXXX XXXX XXXX # XXXX 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 account without my written instructions.
Product: Debt collection

On Monday XX/XX/2024 I returned the call from when an employee contacted me from the alleged Toyota Financial Services. The call was an attempt for Toyota employees to collect an alleged debt which has not been validated through notices sent to Toyota Financial Services chief executive and financial officers. The employee who verified her name and employee number was asked to translate language type font on the contract. She has now sent notice to the alleged XXXX Toyota informing employees to send out the new contract where the language will be translated from a XXXX  to XXXX. She didnt specify to I should expect to receive the mail therefore Ill keep a look out on it. Payments were made to employees at Toyota Financial Services under coercion and duress.
Product: Payday loan

Received an email from XXXXXXXXXXXX stating that my loan was denied ... Since I would never use a payday loan company and did not submit an application to them I was surprised to receive the notice. Because XXXX of my debit cards had been compromised as well, this made me exceptionally nervous. 
The email had a phone number which is also the number on their website and on the XXXX emails I have subsequently received from them. I called the number XXXX different times and held for XXXX and a XXXX minutes, then XXXX minutes, then XXXX and a XXXX minutes and NEVER did anyone come to the phone. 
I emailed them and told them of the problem at the same email address from the email to me and it is also suggested on their site and on the response emails. 
I received XXXX emails each saying they have no record of my email address and can not help me. 

How did they ever send this to my email if they did not have it? Why can they not simply look at the name and other info? 

In my opinion they are purposely refusing to assist me in this extremely important matter. I can only assume they or their employees are likely to be involved in this given their obstructionism. 

Thanks for any help you can provide