23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

Good evening, I was paid a compensation for participating in the beta testing of a new educational software.

The payment was in the form of XXXX XXXX XXXX Prepaid cards issued by XXXX XXXX XXXX. 

The payment was issued in two ( 2 ) XXXX XXXX prepaid XXXX XXXX XXXX. 

The advertisement is misleading. The company claims the prepaid cards can be used anywhere online and in-person, also added to online wallets such as XXXX XXXX XXXX XXXX XXXX XXXX a XXXX XXXX XXXX and more. 

They also claim it can be used like a regular credit card anywhere XXXX XXXX is accepted. 

This is not true.

I have tried unsuccessfully to add my card and use it in many online stores only to be declined because of ZIP code security or the order just being stuck in a processing limbo without confirmation.

These cards shouldn't be sold if they are not going to satisfy the benefits the company promise and advertise. 

I tried to add it to my XXXX XXXX : Didn't work I tried to add it to my XXXX : Didn't work I tried to add it to a mobile Wallet XXXX and XXXX : Straight out rejected them. 

I tried adding it to my XXXX account to pay for groceries and rideshares : Didn't work. 

All of these companies accept regular XXXX XXXX cards. 

The company claims the prepaid cards will work in any merchant which accepts XXXX XXXX, which is utterly misleading. 

In the attached documents, I will display all the declined transactions and the prepaid cards information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Oh, XXXX XX/XX/1982 XXXX XXXX I am filing a complaint about missing accounts that are not showing on my credit report. I have a XXXX and XXXX XXXX And XXXX XXXX that are not showing on my credit report.
Product: Vehicle loan or lease

XXXX XXXX gave me a loan for finance my XXXX XXXX I had just got it was my first car I ever got and I was always on time with payments but I ended up going to XXXX and I missed one payment cause I was in XXXX so as soon as I was released from XXXX I rushed home to make the payment on the phone and they told me my car was already sold in auction I told them I have prove I was in XXXX that's the reason I couldn't send the payment my dad tried to make the payment for me but they didn't want to take the. Money until I got out and now they say I owe them
Product: Checking or savings account

Truist Bank is offering a {$400.00} offer to open a checking account with them. The terms that apply are, you must : - Use their promo code when opening the account online ( which I did ) - Direct deposit {$500.00} into the account at least once ( which I did, twice ) - Make 15 qualified debit purchases within 90 days of opening the account ( which I did, over 20 purchases ). 
- Must have at least {$.00} in the eligible account and be in good standing ( I have over {$500.00} in the account and it is in perfect standing ) Their disclaimer says that it will deposit the money within 30 days of meeting each of those qualifications. It has been closer to 60 days. 

I called the first time ( on XX/XX/XXXX ) and the person that I spoke to agreed that I had met all of the qualifications and told me my money would be deposited in my account on XX/XX/XXXX of this year. It was not. 

I called a couple days later ( on XX/XX/XXXX ) to figure out why, and had the second representative verify that I met all of the qualifications, but she said that they couldn't find an associated promo to my account and would be putting in notes for someone to investigate. A week later I have heard nothing and no funds have been deposited. 

They have sent me no notifications, digital messages, emails, or direct mail communication.. 

Upon looking online, several other people have claimed the same false advertising. You can see some of those examples on this XXXX post XXXX XXXX XXXX XXXX XXXX This is going beyond a single mix-up and more in the range of class-action lawsuit for failure to agree to terms they set forth.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I received an email notification from XXXX XXXX that there were new credit inquiries and that my credit rating had severely dropped ( XXXX points ) due to multiple hard pulls on Experian. Institutions included XXXX, XXXX, XXXX XXXX XXXXXXXX and XXXX XXXX. I contacted Experian for more information regarding the fraud, cancelled all accounts with Experian, reported all as fraud, put a security freeze on my credit, and contacted each institution individually to cancel all accounts and prevent any credit cards from being issued. Following that, a XXXX freeze was placed, more credit inquiries were found, and then following that, an XXXX freeze was placed. The other inquiries found were a XXXX XXXX / XXXX XXXX XXXX and a XXXX XXXX / XXXXXXXX XXXX credit card as well as an XXXX  XXXX. I have filed an identity theft.gov inquiry with the FTC and requested removal of the inquiries from the reporting agencies / credit report. Unfortunately, I have been unable to reach XXXX XXXX  and XXXX XXXX as their phone directory doesn't allow me to get through since I do not have an account number with them.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach, AND as a result of my ex-wife, XXXX XXXX, using my information during our marriage unbeknownst to me. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously AND PERMANENTLY or I will be suing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.

I HAVE PROVIDED FULL AND COMPELLING EVIDENCE TO PROVE THAT THESE ACCOUNTS CAN NOT BE ON CREDIT REPORTS. I AM PREPARED TO FILE A CIVIL LAWSUIT AGAINST YOUR BUREAU IF YOU DO NOT COMPLY.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXX XXXX XXXX XXXX XXXX added a derogatory on my credit report per XXXX XXXX XXXX Experian. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditors did not verify this collection. Also, there was NO form of communication, contracts, or signatures for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, XXXX XXXX XXXX XXXX XXXX  violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX this is not my account
Product: Debt collection

today XX/XX/XXXX I had a company XXXX XXXX from Delaware call and tell me I owed a debt to Wachovia. They said that because they have my current address and information ( none that I supplied and they willingly gave out with no proof of who they were speaking to I just yes'ed them through the info ). I told them this was not my account and they said since you live at the address and they provided id we know it was you. I said I have worked in XXXX  and many people opened fraud accounts with people 's info and fake id 's. They said who uses the same address well I have seen that before too. I used to work XXXX  specifically for XXXX. They flat-out refused to send me out proof of the debt and wanted my email. I refused I said for what so you can say you know it's me because you also have my email. So I made an email just for them since they were so insistent on an email and refusing to send it. They accused me of making a fake email. I said the email is not fake it is an actual email I set up for you. I asked for proof that I and the Co acct holder set up this account and they refused. I said this is not my account I did not open an account with Wachovia in XXXX. I just need proof it is mine and they proceeded to threaten me that they are going to take me to court and they are going to cancel all my bank accounts and they are going to charge me all these additional fees multiple times even when I told them I did not see their email on the XXXX email account. They said they refuse to put on my account my statement that I am stating it is not my account and is fraudulent I told them that is oppression but they did not care. I told them I have not received anything from Wachovia on this at all. I do not know anything about this. They said they do not care if I receive the info today they will be referring my info to a lawyer and all these things will happen to me. They said I can ask the lawyer for proof it was my account and I can then have to pay all the extra fees. They also stated that they refused to enter my statement of the fact that I said this is not my account and that it was a fraud and was requesting proof that this account was indeed my account such as the paperwork showing I opened the account with my id.
Product: Debt collection

On multiple occasions I have received letters in the mail from a debt collector company Zwicker & Associates P.C. stating that they are contacting me to collect a debt. The company has not validated the debt they claim and need to submit the requested documents attached below in this Debt Validation Letter. My full name is : XXXX XXXX XXXX Current address : XXXX XXXX XXXX XXXX, Ohio XXXX Last four of my SSN : ( XXXX ) Date : XX/XX/2025 Dear Collector : Zwicker & Associates P.C. XXXX XXXX XXXX XXXX, MA XXXX Im requesting that you validate the debt below. XXXX XXXX XXXX ending in XXXX This letter is not a refusal to pay ; however, I would like to advise your company that I am disputing your claim. Under the FDCPA, I am allowed to request validation from third party collection agencies. As you know, failure to comply with the FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : ( 1 ). Proof that you either own or were assigned the debt from the creditor. ( 2 ). Proof that you have the right to collect this debt in my state. ( 3 ). Proof that your company carries a bond. ( 4 ). Proof of how your company assessed the outstanding debt. ( 5 ). Payment history from the original creditor. ( 6 ). Name and address from the original creditor. ( 7 ). Copy of the original contract bearing my signature. ( 8 ). Chain of title on this debt. ( 9 ). Proof that you can collect this debt from me. ( 10 ). Do you own it or is this debt assigned? ( 11 ). Copies of all letters sent to me from you and from the original creditor. ( 12 ). How much did you buy the debt for? ( 13 ). When was the last date a payment was made on this debt? ( 14 ). What fees/interest was tacked onto the debt? ( 15 ). How were the fees determined? While validating this debt, you must cease all collection efforts until you can send me sufficient proof as listed above. If you choose not to send me the proof requested, you must delete the reference account from my credit report. Thank you for your time and cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

PenFed loan was opened in my name. It has been active for roughly XXXX months. I only noticed there was a fraud loan in my name after I saw my XXXX XXXX drop XXXX points in one day. I have reached out to PenFed and am getting minimal responses back over the last XXXX months. 


I have filed a police report, contacted the credit bureaus and PenFed in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX the natural person and consumer am submitting this complaint on behalf of myself with no outside influences. I have been a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
1

5 USC 1681 Section 602 States I have a 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 my not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fcra the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c.1681 XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX 15 usc 1681 section 602 ( a ) states I have a right to privacy.

15 usc 1681 section 604 ( a ) section 2 states a consumer reporting agency can not furnish a account without your written instructions.

15 usc 1681 ( c ) ( a ) ( 5 ) section states no consumer reporting agency shall make any consumer reporting containing any of the following items of information any other adverse item of information other than the records of convictions of crime which antedates the report by more than 7 years.

15 usc 1681 c-2. ( a ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or gas reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of inaccurate information on my credit report, which I reported to Equifax on XX/XX/XXXX. Despite the significant time that has passed since my initial contact, I have not received any response from Equifax concerning the concerns I raised. I wish to provide a comprehensive summary of the inaccuracies that necessitate immediate rectification : Account Information : Creditor : XXXX  XXXX  ( Account # : XXXX ) Date Opened : XX/XX/XXXX Balance : {$340000.00} Issue : This account has never been overdue. I request that Equifax correct this inaccurate information on my credit report. 
Account Information : Creditor : XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX Balance : {$1700.00} Issue : The account has never been overdue. I request that Equifax rectify this inaccurate information on my credit report. 
Account Information : Creditor : XXXX XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX Balance : {$6200.00} Issue : The account has never been overdue. I request that Equifax correct this inaccurate information on my credit report. 
Account Information : Creditor : XXXX XXXX  ( Account # : XXXX ) Date Opened : XX/XX/XXXX Balance : {$55000.00} Issue : The account has never been overdue. I request that Equifax rectify this inaccurate information on my credit report. 
Account Information : Creditor : XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX High Credit : {$50.00} Issue : I request the removal of the late payment entry for this account. 
Account Information : Creditor : XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX High Credit  : {$250.00} Issue : The account has never been overdue. I request that Equifax correct this inaccurate information on my credit report.
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. 

XXXX  XXXX Bankruptcy Reference # XXXX has violated my rights. 
XXXX XXXX XXXX  Account # XXXX has violated my rights.

15 USC 1681 Section 602 A 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 written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX credit card. They are also associated with XXXX financing since the month of XXXX they have been recording inaccurately on my credit report. Someone used my credit card fraudulenty XXXX was notified at least XXXX times and have never corrected the situation. This problem has brought my credit score down by at least XXXX or more points, they are very unprofessional. They are inconsistent, and they shouldnt be in business..
Product: Credit reporting, credit repair services, or other personal consumer reports

There are incorrect addresses and misspelled names on my credit report that i asked to be removed well over 30 days ago and yet they still appear there
Product: Credit card

Purchased refrigerator XX/XX/year>. Repairs needed failed so XXXX Customer Service agreed again to repair without charge and suggested buying a warranty extension due to the issues. I authorized charging my Discover Card for the warranty extension. When I got my Discover bill they had also charged for a repair part. I was never asked for payment when the repair was made, I never authorized charging my card for a part either orally, in writing, or by signature. No charge to my Discover card appeared on the receipt evidencing the repair. I assumed that XXXX took care of any charges as they had agreed. But a charge later appeared on my Discover bill. I disputed the charge. Discover ruled in my favor and later reversed. They took XXXX 's word for it, apparently not bothering to listen to Customer Service 's recording of my conversations or requiring any proof that I had authorized the charge. So, after 37 years of using my card for thousands in purchases and without incurring any interest or finance charges, I cancelled the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/XXXX account number XXXX High Balance is reflecting XXXX dollars however the balance due is reflecting reflecting {$520.00}. The highest balance being lower than the balance due doesn't make sense. This is a violation of the FDCPA delete immediately I disputed with XXXX, Trans Union, XXXX and XXXX XXXX XXXX on XX/XX/2018 and they stated that it was verified, which it was not and these accounts are continuing to report, which is a violation of the FDCPA and needs to be removed.
Product: Student loan

I applied for XXXX after making XXXX years of qualifying eligible payments, but on the list of my payment history from XXXX to XXXX, they omitted XXXX payments during XXXX. According to them, I have XXXX payments made toward my XXXX payments to have the remainder of the loan forgiven. I sent them the screenshot of where someone did not include payment history from XX/XX/XXXX to XX/XX/XXXX. I called them twice and sent a letter to them as well as the Dept of Education and nothing done yet. These are payments I made in those months that would automatically grant me loan forgiveness but, for some reason, someone decided to omit the payments. I have been addressing this with them for months now and they still want to collect a monthly payment from me.
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 XXXX Account # XXXX, XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Advised the credit bureau to remove incorrect reporting accounts opened without my consent I have sent certified disputes also provided documents to support my request no resolutions
Product: Mortgage

Stearns Lending , Inc., XXXX XXXX, CA. 
This company 's satellite office in Arizona has absolutely NO sense of urgency, and total disregard for their clients ( the buyers ) and also the sellers. 
Claiming to have not received or misplace information, as an excuse. 
People have lives to live and also have time lines to follow, setting up places to live, movers, disconnecting utilities, packing, etc. 
Underwriters, had claimed all is good, and over two weeks later still looking for paper work, still stalling! 
It took a Cure Notice to finally get them to perform, someone needs to be held accountable in this office. 
The purchase was almost lost, due to lack of concern for others. 
Would highly recommend staying away from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, it was brought to my attention that there are several accounts on my credit report which are not recognized by me as mine. They are listed as XXXX XXXX XXXX, XXXX  XXXX  XXXX  and XXXX XXXX, none of which I have ever done business with. I have never applied or used they're services. These accounts are fraud and someone out there is using my identity to get credit. Please help!
Product: Credit card

Sears Credit Card a subsidiary of Citi Bank sent an unsolicited notice that they were " Upgrading '' my card to a Master Card. A few years back they used this same ploy and I received the card, again with out my approval, and had to contact them to reverse the process. The deceptive practices used in the mailing sent are like any other solicitation for a credit card except in the fact that you have to opt out rather than accept their offer. Also the " upgrade '' contained no information on the rates that would be charged with this new card possibly creating a financial difficulty for those who did no catch the " opt out '' requirement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my identity an got items I did n't authorize. I disputed with TransUnion and  XXXX  but do n't feel investigation was performed fairly. I 've contacted creditors but they ignore my issue/problem. It 's acceptance and crescent bank. It 's their word against mines just because they say it 's my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON about XXXX XXXX, 2023 I disputed inaccurate information on my credit report with the following credit bureaus, XXXX, TRANSUNION, and XXXX, as of today I have received no response to my disputes. This is a direct violation of the FAIRCREDIT REPORTING ACT and the FAIR DEBT COLLECTION PRATICES. 

Pursuant to the FCRA and the FDCP the credit bureaus have 30 days to respond to a consumers dispute, they have failed to so.