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

On XX/XX/21 I received a phone call from a person identifying themselves as XXXX fraud prevention employee telling me my XXXX account had been hacked for a {$990.00} cell phone purchase. In order to refund me the money for the purchase, he needed access to my bank account to replace the money because XXXX wanted to prevent any fraud to my account. All the while this person had control of my phone moving money around the various accounts I have. This person took a cash advance using XXXX charging it to my credit card then moved the money to my checking account and withdrew it. I began to realize something isn't right. I ended the phone call and drove to the bank to stop this transaction from going through. After explaining the situation, the bank wasn't very helpful. Instead, I was given phone numbers to call their fraud department which I did. In the following two weeks after the incident I made contact with the US bank fraud department a least a dozen times. In addition, I also contacted Credit Card Services who handles the credit card portion of the transaction. The two divisions keep passing the buck back and forth. Nothing is being resolved. 
In the interim, the bank issued me a new credit card, savings account, and checking account. 
On XX/XX/21 the same day as the fraud, I reported the crime to the XXXX XXXX County Sheriff 's Department. I contacted the bank again to make sure they had the Sheriff 's report number. Again nothing resolved. 
Three weeks after I made the report to the Sheriff 's Department a detective came to my house for a follow up report. We made arrangements to meet at US bank because I needed to be present to give permission for access to my account. It was at this time I discovered the bank considered this a " friendly fraud '' meaning I suppose I had something to do with it. My claim for fraud was disallowed. As far as I know the investigation is still ongoing with the Sheriff 's Department.

Now I'm stuck paying {$1400.00} plus interest on a credit card cash advance that I DID NOT DO! I have to make minimum payments or it effects my credit rating. 
According to US bank, when they look at their computer screen it looks like I did this because " it had to be done mechanically ''. No one at US bank is listening to the details as to how all this transpired. 
During my numerous phone calls to the bank I was told a fraud investigator would contact me within 48 hours. It never happened. I was told several times that my case is still under investigation by the banks fraud department and credit card services division. Again, nothing. 
If someone at US bank took a look at my spending habits via transactions made from my accounts they could see this is completely out of the norm for me. I've never taken a cash advance in my life! Nor have I used XXXX XXXX for anything! I don't even know how to use it. 
I'm retired, paid off all my credit cards and now this happens to me.
Product: Prepaid card

I filed a dispute on XX/XX/XXXX and it was over a XXXX dollarswith vanilla gift cards. 
They told me while they investigating they will lock my card so I cant use it. I still have XXXX on this card and they wont let me use the card.

It should not take this long for a dispute. Im in desperate need of money and they are holding on to it and wont let me have my money.

Can you please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, on XX/XX/2021 I sent inaccuracies on my credit report to the credit bureaus and I still have not received word of results from a single investigation! I truly believe they are ignoring my requests and this is hurting me terribly. Section 611 ( a ) states failure to investigate items in XXXX  days gives reason to immediately remove those items from my credit report. It has been over 60 days and I no longer no what to do! These items must be removed immediately or I will file litigation because they are not doing their jobs and operating in a proper organizational manner! I'm at a loss and tried to wait and see if they would get back to me but I can not wait any longer. The bureaus are unwilling to work with me and now I do not believe they have even started an investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a settlement agreement for less than amount owed. USAA refuses to update my credit after I paid the settlement amount and it cleared my bank. They refuse to acknowledge the settlement agreement letter and keep incorrectly reporting after disputing. I held to my end of the settlement and balance owed should be XXXX dollars and the comments should reflect settled debt for less than amount owed.
Product: Debt collection

Correspondence was sent  to OAC o n  XXXX / XXXX /   2016 inquiring about a {$350.00} medical debt reported to  XXXX ,  XXXX  &  XXXX  . I requested information regarding the medical provider/facility to which I allegedly owe the debt and a detailed breakdown of the fees that I owe.   As of today, I 'm still waiting on a response.   I believe that this debt is not mine and the fact tha t OAC has  never provided any verification of debt, further proves this for me.   FCRA states that I have the right to demand that they provide documentation to verify debt and if they are unable to do, it is illega l for OAC to continu e reporting this debt.
Product: Mortgage

On XX/XX/XXXX we checked our online account with SPS servicing and it stated we were due for a XX/XX/XXXX payment and that the XX/XX/XXXX payment was processing. On XX/XX/XXXX we noticed that the money had not come out of our account for XXXX or XXXX and we called in on XX/XX/XXXX and made a XXXX payment which shouldve been good for XXXX and XXXX. We then received a letter stating that our rate went from 4.875 % to 20 % and we were forced to pay over {$3300.00} for XXXX and XXXX. They excepted our phones and are still stating that we are in default. Our bank confirmed that the money was available on XX/XX/XXXX and that they never attempted to withdraw the ACH payment. We provided SPS servicing with proof that money was in the account on XX/XX/XXXX. This is predatory lending at its finest. We have called in every week and are getting different answers every time we call him. They have taken the money and that applied to any past due payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I discovered multiple unknown accounts on my credit report, right after I had no other reason but to believe that I was a victim of Identity Theft, so I filed a Police Report and started disputing the inaccurate information on my credit report. Some months went by and I was able to remove the accounts that were not mine. Not too long ago I started receiving collection letters regarding one of the accounts that were on my report and obviously part of XXXX, I disputed with the collection agency and they stop collecting on it, unfortunately, just a few days ago I did my regular review on my credit report and found out that a new collection came up trying to collect on the same account that I had been dealing with in the past, the new collection name is XXXX XXXX XXXX
Product: Credit card or prepaid card

On XXXX XX/XX/2019, credit card company sent me a letter asking for further information regarding my dispute with Sears for a charge of {$140.00}. I ordered a XXXX XXXX  10 inch sliding Compound Miter Saw ( Order Number XXXX ) on XXXX XX/XX/2019. Sears shipped the item on XXXX XXXX and I received it on XXXX XXXX of this year. 
On XXXX XXXX, I contacted Sear Member Services via their chat line ( XXXX -- Sears Case Number : XXXX ) informing them that the item was defective. Specifically, the saw blade would not align with the kerf box. If the saw was activated, it would destroy the rubber siding of the box and cause injury to the user. I requested return instructions. 
I was assured by operator XXXX that I would receive a return shipping label within 24 hours. None arrived. Subsequently, I received the same assurances from operator XXXX on XXXX XXXX then operator XXXX on XXXX XXXX. No return label or instructions were received despite my repeated attempts to secure one. 
On XXXX XXXX, operator XXXX again promised a label -- - none arrived. On XXXX XXXX, operator XXXX repeated the same response without effect, no label. On XXXX XXXX, operator XXXX stated that the merchant has been in contact with you. I told him that no one was in contact with me and that the item still sat in my house. 
On XXXX XXXX, I received an email from XXXX stating that we have escalated your issue to the higher authority so that they can investigate the issue and assist you further. On XXXX XXXX, I once again went to the Sears chat line and operator XXXX told me that Sears marketplace guarantee would cover the entire {$140.00} dispute. 
I received the return shipping label via email that afternoon. Following instruction sent with the label, I went to XXXX and placed the shipping box inside another box at additional cost of {$37.00} and sent it to XXXX, SC ( Tracking Number XXXX ). It arrived on XXXX XXXX. 
I have hard copy documents to support each of the actions I have taken to return this defective item. If you desire, I can send them via surface mail. 
The credit card company had held the payment in dispute then reversed the credit stating that I still had the item. In reality, the seller informed the credit card company they had not received the item the same day they sent me return instructions. I paid the bill, but I have received no assistance from either Sears or the credit card company to credit me for the cost of the item plus the shipping.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I have had several account removed from my credit report and my credit score has not gone up. Please update my score as soon as possible.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

F

urthermore , 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. In addition, 15 USC 1681a 2 ( A ) ( i ) suppo rts my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Crdit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX 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 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 15 U.S.C. 1681c. ( a ) ( 5 ) Section states ; no consumer reportingagency 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 believethat the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the author of this complaint and I checked my credit report this morning and saw some fraudulent, inaccurate and incomplete information on my credit report. I'm asking the credit bureaus to conduct a reasonable investigation and DELETE the following accounts and update late payments to fully paid on time. 

XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX. XXXX XXXX XXXX ( Original Creditor : AT T ) Late Payments ; XXXX XXXX
Product: Debt collection

I rented a car from XXXX XXXX rental group ( referred here as " company '' ) ( from the XXXX XXXX XXXX location at XXXX XXXX XXXX XXXX, XXXX, IL, XXXX ) on XX/XX/XXXX and returned the car on XX/XX/XXXX. The company had a clerical error and did not log in my return into their systems correctly. Their systems showed that I instead returned the car on XX/XX/XXXX. Due to this, they have sent me an unpaid bill due in the amount of {$5500.00}. 

As this was obviously a mistake, I took the notice to the company branch I rented the car from and spoke with the manager. The manager noted that the car had indeed been returned on XX/XX/XXXX, and issued a work order/station adjustment confirming that I returned the car on time. She asked the collections teams to make the necessary changes in their system so the debt can be market invalid. I have emails from the branch manager as proof along with the requested station adjustment. 

The company did not take the necessary actions on their end and instead sent me another letter claiming that I have an unpaid balance. I reached out the collections department at XXXX again on XX/XX/XXXX via email detailing the issue and also attaching the branch manager 's emails and station adjustment requests showing that the debt is invalid. After much back and forth promising that the collections team is looking into the issue, I did not hear back from XXXX collections since XX/XX/XXXX. 

On XX/XX/XXXX I received a call from a debt collector ( Caine and Weiner ) in an attempt to collect this debt that I have been trying to resolve since last year, about 7 months now. I was also place on the " do not rent '' auto rental list blacklisting me from any further auto rentals. I furnished them with the same emails and filed a dispute. It has now been another month and I have yet to hear back regarding any progress being made on my account. I am happy to provide all my proofs and emails showing that the debt is not valid and should be taken off my account. At this point, I have sunk close to 40 business hours trying to resolve this matter and feel I should instead be compensated for the predatory actions from the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the last 60 days I've been garnished by this credit concepts of s total sum amount of $XXXX, every single month since I've had this loan they've been adding $XXXX  every single month to the balance since the date of voluntary repossession of XX/XX/XXXX. Now they are garnishing me again knowing I am a single mother also XXXX XXXX of XXXX XXXX  children and I have left emails but the company manager is so unprofessional he just forwards my email rather than giving me an immediate response. I have had this same balance for three years and they are the most fraudulent sub prime lender out here. Ive paid over $XXXX XXXX  for a $XXXX   loan and why does my balance still reflect $XXXX? Where I started? Credit concepts are not following correct practices have never showed me no evidence of the repo sale nor a detailed billing of my entire account I requested since I first had this loan. They are a joke to consumers ripping off subprime consumers. I have other coworkers who are also with credit concepts who have showed me evidence of their wrongdoings and we are all going to take this to Attorney general.
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Here I attach, along with the dispute, my fraud report that I just sent to the bureaus for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have filed disputes on my credit reports and the disputes are not being processed correctly and the identity theft paperwork is not being attached to my disputes according to the FCRA. I have called and the FTC report I have been filing is not being processed correctly. And I am not getting copies of the verification process
Product: Credit reporting or other personal consumer reports

To let the credit bureaus know that the inquiries listed in my file are not authorized, I'm filing a complaint. Credit reporting agencies have to remove or prevent any inquiries that were not permitted in accordance with FCRA section 605b. Kindly refer to the documents that are attached to help prevent incorrect information from being put into my report. 


XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts from my credit report. As a victim of a data breach, I have confirmed that these accounts were not authorized by me. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed. 
Accounts to Be Blocked and Deleted : XXXX XXXX XXXX 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

" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX, XXXX - XXXX {$22000.00}
Product: Debt collection

Monday XX/XX/XXXX - dept collecting company - Keith D.Weiner & Associates Co. L.P.A customer service rep - XXXX I receive a letter from this company. I called to ask about this dept that I owe. He has told me it is a tax from XXXX that I owe. I do not know nothing about this tax money. It's the year XXXX, why do I still owe money for XXXX??? I am confuse. company has my ss information and my address that I did not give out to anyone. When I almost proceeded to pay over the phone using my card, he demanded for my account number from my bank. I didn't feel safe about it giving my bank information and I ask if there is any other way to pay my dept then giving out my bank information. He said No and that I will end up in court if I didn't pay the dept. He has said they are the law trying to collect my dept. I try to understand and resolve the situation while he is being unprofessional on the phone with me and then hanged up while I was still talking.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft back in XXXX of 2023. My Fraud Protection company XXXX XXXX and XXXX got involved and we got everything corrected with all Credit Reporting Agencies except Equifax. The companies involved with the fraud were XXXX XXXX XXXXXXXX for {$16000.00} first then XXXX XXXXXXXX XXXX  for an unauthorized credit card account, both of the institutions quickly closed the accounts and posted as fraud to all three of the credit bureaus and then a XXXX account was reported as delinquent for some {$200.00} that they determined was fraudulent and corrected quickly as well along with reporting to all the Bureau 's XXXX XXXX and I have been working with Equifax now since XXXX of 2023 providing all requested information to them that they asked for to resolve the issue. They removed the account but not the " Hard '' inquiry. They continue to say it is legitimate and that I have to go back to the original company, XXXX XXXX XXXX and have them resolve it. I recieved a letter back from XXXX XXXXXXXX XXXX  and also provided this letter to Equifax obsolving me of this fruad in XXXX of 2023. Equifax will not budge. When they remove the 'fraudulant '' account they should have removed the " Hard '' inquiry at the same time. This has caused me serious stress and wasted way to much of my time. Please help me get this resolved.
Product: Debt collection

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 15 U.S.C1681 section 602 A. States i have a right to privacy.15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency CAN NOT furnish a account without my WRITTEN consent. Federal Law overrides any company policy. 
NAVY FCU account number XXXX NAVY FCU account number XXXX NAVY FCU account number XXXX XXXX  account number XXXX XXXX XXXXXXXX account number XXXX XXXX  account number XXXX XXXXN account number XXXX XXXX account number XXXX XXXX XXXX ( original creditor : XXXX XXXX  XXXX BANK XXXX XXXX A ) account number XXXX XXXX account number XXXX