23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I received an AMEX gift card in the amount of XXXX for Christmas this year. I called the number on the back of the card to activate it. Card has been activated but every where I've tried to use the card it has come back declined, even for smaller then the balance of the card purchases. I have called AMEX gift card customer service and was told to try a different vendor with no other information given. I tried a few different vendors that required the security code to be entered and the transaction still came back declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. Please block, and or delete this items. I wrote letters to have this information verified and I've gotten no response. When I called over the phone, I was told to sent a letter which I had already done but they were unable to locate it. Each rep I spoke with were from another country and we had a disconnect with verbal communication. I mailed each letter to the address listed on the web site so I had no idea of how a rep from a foreign country would be able to locate it anyway. Please respond to this attempt, I have no other options left except to pursue legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice from XXXX XXXX that my Wellsfargo Auto Loan is showing 30 days past due. I contacted Wellsfargo XX/XX/XXXX to inform them of the error. The representative reviewed my account and concluded it was indeed an error and would forward my account to the credit reporting department to have them correct the error. She stated it would take five days to correct the issue. I waited the 5 days to see if the information being reported to my credit report would be updated within the 5 days as stated and it didn't. I called the representative back XX/XX/XXXX and was told the correction would take 30 days which is not acceptable. As of today XX/XX/2021 I'm showing to be 30 days past due for XX/XX/2021 and they haven't reported to the bureaus any other info such as the correct loan balance. Several items are being reported incorrect. This has caused me to pay additional fees.
Product: Mortgage

We are attempting to fix our house from storm damage. The mortgage company Mortgage Solutions of Colorado took our insurance check and it has been increasingly difficult to get payment from them to pay our contractors. I recently submitted the required paperwork for payment to our painter, had the inspection and then i received an email stating " Your loan has been service transferred, our company is no longer assisting with claim. You will have to contact new servicing company : XXXX XXXX XXXX, XXXX XXXX Thank you, Loss Draft Department '' I called this number and can not get in touch with a human. I tried contacting this " new company '' ( XXXX  XXXX XXXX XXXX ) via other numbers I found on the internet and have been unsuccessful at contacting anyone who can assist me with any type of helpful information. I received a letter from the mortgage company Mortgage Solutions of Colorado ( our original company ) stating that the only change with the company is to mail our payment to Texas instead of Illinois. This is a very inappropriate business practices, I want to know where my insurance money is and how to access it. My house was painted in XX/XX/XXXX and it is now the end of XX/XX/XXXX I need to get the painter paid. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I noticed that an account with the grain technology and an unknown address was open on my credit report so I filed a dispute. XXXX of that same year a collection dropped on my Credit report. I sent letters and continue to file disputes with all three bureaus. 
Ive reached out to grain technology on several occasions via email, calling in hopes to speak to a live person and even sent them letters in the mail. In XX/XX/XXXX someone finally reached out to me via email and I thought maybe we can finally get the issue resolved but the company was not able to find an account associated with my name. I was told that someone will reach out to me within two business days to help me with the issue I was having. Days and days went by and I still have not heard from them. After 20 plus disputes and endless phone calls and ignored emails here I am finalizing a complaint. This account is also linked to an address that Ive never lived on.
Product: Credit reporting or other personal consumer reports

As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting. 

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 



Account Name : DEPT OF EDUCATION/XXXX  # XXXX -- Opened on XX/XX/XXXX Account Name : DEPT OF EDUCATION/XXXX  # XXXX -- Opened on XX/XX/XXXX Account Name : DEPT OF EDUCATION/XXXX  # XXXX -- Opened on XX/XX/XXXX Account Name : DEPT OF EDUCATION/XXXX  # XXXX -- Opened on XX/XX/XXXX Account Name : DEPT OF EDUCATION/XXXX  # XXXX -- Opened on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I had a auto loan with XXXX XXXX. I did not make the XXXX payment because I traded the vehicle in at XXXX XXXX in XXXX XXXX. I traded the vehicle over XXXX XXXX weekend on XX/XX/year>. I have documentation showing that I gave XXXX XXXX authorization to assume responsibility of the payoff at the time of purchase for my new vehicle. On XX/XX/year> XXXX XXXX reported my payment 30 days late. I tried to call and explain the situation and they requested I send them paperwork showing I traded it in. I contacted XXXX XXXX and have the documents. I tried calling XXXX XXXX, but after hours on the phone try to speak to a representative, I have not been able to do so. I then tried to handle the issue via chat on while in my account page of XXXX XXXX XXXX. I was told they can not help in the chat feature after speaking with XXXX. I explained my issue of not getting through to someone and asked if she could please have someone contact me. After asking, I was told " she can not do that '' and she closed the chat. This is an issue that has impacted me significantly. I am in the middle of opening a business and this incorrect late payment being reported to the credit bureaus has dropped my score over XXXX points.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) : To Whom It May Concern at the Consumer Financial Protection Bureau, I am writing to report discrepancies on my credit report and express my frustration with the credit report. Agency failure to correct these errors despite my repeated requests. 

The issues with my credit report are as follows : XXXX XXXXName VariationsXXXX  : My name appears with different variations, which is inaccurate. 
XXXX XXXXIncorrect AddressXXXX : The address listed on my credit report is incorrect. My only address is XXXXXXXX XXXX XXXX XXXX, ny XXXX. 
XXXX XXXXUnwanted Phone Number ListingXXXX XXXX I do not want my phone number listed on my credit report. 

I have contacted the credit bureau on numerous occasions to request corrections, but the issues persist. I would appreciate it if you could assist me in resolving this matter. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 : States a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX {$0.00} Opened XX/XX/XXXX closed XX/XX/XXXX XXXX XXXX XXXX XXXX {$4400.00} Opened XX/XX/XXXX XXXXXXXX XXXX XXXX Bal {$870.00} Opened XX/XX/XXXX please remove these accounts
Product: Debt collection

This debt was not discharged in bankruptcy but this was the only option above that was close to choose from. The XXXX refuses to remove the adverse reports from my credit file which is causing a negative impact on my credit scores despite several XXXX balances. The information is from medical billing that was caused by a current malpractice case. I am suing the Dr. for a procedure that was unnecessary. 
I have paid the debts ( and yes they were late ) and explained the circumstance which caused them, but when speaking with the supervisor XXXX from the agency, who BTW I asked for because the representative before him was rude and argumentative, insist XXXX that XXXX is not enough to remove it although it is XXXX of several reasons he gave for cause from his agency to do just that, and that the information on the collections was given to the agency late, not initially when the debts came in and that it accurately reflects who I am and the situation ( which it does n't fully ) I tried explaining that in my several disputes through XXXX, Equifax and XXXX ( who by the way REMOVED this from my XXXX to them ) I used the word litigation-he said that this was not XXXX for which I disagreed. 
I just want them to understand why the negative information is on there in the XXXX place and kindly remove it. since it should not have made it there to begin with. Not all but some of the representatives were rude and threatening that I have spoken with. This is so layered with incomplete notes from communication on their part and I feel helpless with a resolution. This company 's arrogance is not OK and should be investigated thoroughly which is where I think that you can help please. 
XXXX
Product: Money transfer, virtual currency, or money service

Scammed from a company called XXXX XXXX who claims to do business with the USPTO ( United Stated Patient & Trademark Office ) XXXX XXXX went as far as submitting my 3 applications with the USPTO to make it look like they were doing something then over time took approx {$40000.00} from me leaving me in a financial deficit etc. With that being said, my last transaction was through wire fraud with Webster Bank of {$18000.00}. After showing Webster Bank the money transfer information for XXXX XXXX XXXXXXXX they never check the fake Bank Address that was listed for XXXX  XXXX XXXX. I feel that they should be held liable for the {$18000.00}
Product: Money transfer, virtual currency, or money service

I have an open account with Bright Money. I saved some dollars in my Rainy Day account, which is supposed to be an emergency fund that I can instantly transfer to my bank account. However, when I try to transfer money from XXXX XXXX, I keep getting a technical failure message. I contacted Bright Money support, and they said it's a technical error and that they've raised a ticket. However, it's been six months and the issue still hasn't been resolved. I've raised several tickets, but nothing has happened. Please help me get my money. 


Name On Account : XXXX XXXX Email : XXXX Phone : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX 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
Product: Credit reporting or other personal consumer reports

Security freeze has been placed on my file and I want it be lifted.
Product: Credit card

This is supposed to be a no interest repayment. First they started charging statement fees and charging interest and late fees on those statement fees which they said would stop once I went paperless. The interest continued. Various late fees continued even though my payments were on time. When I called they force me to pay the late fee and tell me on the next bill my payment will be a certain amount. I ensure that amount is received before the due date and I still get late fees every month. It's as if because I was paying as agreed their promotion they're finding ways to steal more than they agreed through the baiting promotion that had me apply and receive the account to begin with at XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This very unprofessional. Please remove the fraud accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown accounts that are being reported on my credit report. I have not applied for these nor I had any business with these companies.
Product: Credit reporting, credit repair services, 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 XXXX ( date of inquiry : XX/XX/2021 ), Account name : XXXX  XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : 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 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

I was in a process of a payment deferral review since XX/XX/2024. It was completed recently. There was a miscommunication between loss mitigation and another department in regards to reporting my account as delinquent.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check this account ( A ). It is unacceptable to list this account as information without verifying it within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am not able to upload the XXXX report for inquiries that are not mine. Identity theft is the cause of the inquiries reporting on XXXX credit reporting.Please remove immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 


ACCOUNTS XXXX  XXXX not mine XXXX XXXX   XXXX not mine COLLECTIONS  09 XXXX XXXX XXXX   XXXX {$430.00} not mine 12 XXXX  XXXX XXXX XXXX XXXX  XXXX {$710.00} not mine 12 XXXX XXXX XXXX {$970.00} not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX  XXXX I XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized
Product: Credit reporting or other personal consumer reports

Credit card company provided my personal information to a non affiliate company without my consent. In violation of 15 usc 6802 and also under consumer act of 1974
Product: Money transfer, virtual currency, or money service

Paypal has closed my account and access to the funds in my account. They will not offer any help in getting the issue resolved. This has to be a mistake, I am not knowingly going against any of their TOS. I just learned I could report the issue here. There is no resolution from them in sight, this is my money. I have paid Paypal Hundreds and hundreds of dollars in Goods and Services fees. I am a very active user of their playform. My paypal name is XXXX This is affecting my livelihood with no access to the funds.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.
Product: Credit reporting or other personal consumer reports

I've noticed a few discrepancy I first noticed that the down payment i put down at XXXX  XXXX IS NOT reflected on my consumer report, I've also noticed that the amount on my contract and the amount on the dealers agreement is two totally different amounts, I've also notice that I don't have an agreement with Capital so why am i paying them when they are not listed on my contract.
Product: Money transfer, virtual currency, or money service

paypal closed my account for no reasons and they will not helping me with getting it back up and going. I am not sure if this is someone mistake as I assume, it has to be. I have not been able to get help from them for months, but I just remembered that I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used Paypal quite frequently My email linked to my Paypal is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted you all before. I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report. Police in my area have been notified, as well as, the FTC. These items still need removal : XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, Chapter XXXX Bankruptcy. Also the following inquires : XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX 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

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Name : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX Wrong Address : XXXX XXXX XXXX XXXX, FL XXXX Employers : RETIRED Date Updated : XX/XX/2018 XXXX XXXX XXXX XXXX  Date Updated : XX/XX/2018
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams
Product: Credit reporting or other personal consumer reports

I have contacted all three major credit reporting agencies and informed them of their criminal activity. All operators are unfortunately highly under traded on the subject. Equifax, XXXX and XXXX are breaking law 18 USC 1028. I never authorized any negative reports to be recorded on my report. A SSA-89 must be signed by me to give authorization and I am fully aware that never happened. This is only one of many laws these corrupt organizations are breaking.