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

I paid old XXXX XXXXXXXX XXXX  XX/XX/XXXX {$69.00} dollars for hardship out my account ended up being admitted to hospital miss a 5 day payment they put I didn't pay them in 30 days on my credit report also made XXXX payment of {$180.00} pay early on XX/XX/XXXX instead of XX/XX/XXXX they also lie and say I paid 30 days late again on credit report my payments are on time and are not late. But on my credit report they have it inaccurate and has made my credit poor instead of being honest. I need this company to fix all 3 credit company with the right information because I have proof because there taking it out of auto pay every month and it shows on my bank receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX complaint open on XX/XX/2022 40 days and is still open and in Violation of FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers 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
Product: Credit reporting or other personal consumer reports

Ews has been sharing my info with other affiliates after I opted out of there services they are asking like a government agency and saying that they can pretty much do whatever they want and I have rights consumer credit rights
Product: Prepaid card

In XXXX I received a {$500.00} AMEX gift card from a customer for XXXX. I received another in XXXX for the same amount. I have yet to be able to use the gift cards as they are declined by AMEX. Yet when I check the balances online the funds are available. AMEX swears there is no problem with the cards and I need to use them at vendors like XXXX. I have no need to spend {$1000.00} at XXXX. XXXX, XXXX XXXX, XXXX, XXXX XXXX have all denied the gift cards online.
Product: Credit card or prepaid card

USAA froze our credit card and refused to unlock it. We spent over 40 hours on the phone trying to fix the issue. They could not identify or fix the issue. We can not use our cards. They also canceled my husbands debit card by accident ( which they have admitted ). We have no way of getting money out or paying for anything. USAA advertised they serve overseas personnel, which is a major reason person utilize their services. But help is only available US central time. Representatives working off hours do not have the authority to help or trouble shoot issues. False advertising.
Product: Debt collection

I had an account with XXXX XXXX and something happened on their end where I had previously bought something and paid it off but the balance never got XXXX  out so for whatever reason something happened to the payments and I stopped receiving statements and I forgot about the account until my fiance bought me a bracelet from there for my birthday in XXXX. So when he went to make the payment in XX/XX/XXXX. I asked him to check what was going on with my account well there was still a balance so he paid {$60.00} and again XXXX made another payment little did I know the account got sent to collections in XXXX. They didn't tell us that when the payment was made not did I receive notice until after those payments were made so I thought I was current then I got a collection letter not only that but the payments we made didn't even get applied luckily I had my receipts so I disputed the letter and sent my receipts and I heard nothing from that company so once I got my taxes I asked what my new amount was so I could pay it off and they gave me the same price without my 2 payments we made at XXXX XXXX personally before knowing that account was sent to collections and I said no I want my money that I paid applied and then I was my payoff they told me they could not do that and the case was under investigation so I called every week on my day off for a few months and it was still pending investigation so I they told me I would receive something once the investigation was concluded so I stopped calling and I never got any notice the investigation was even over and I went to check my credit report and they put negative marks on my credit bad been charging me and adding interest for months and I have never got a call or a letter since the original letter notifying me that my account was in collections. And every time I did call and every person at that company was super rude I just wanted to pay my debt and get credit for what I already paid and they treated me like I was a criminal on trial.
Product: Credit reporting or other personal consumer reports

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my XXXX  payments for those accounts.
Product: Bank account or service

Wells Fargo bank advertised opening an online account with a {$250.00} promotion. I completed the online process. Then I received an email directing me to the branch in order to complete the process. When I went to the branch, they told me that they could open the account but not apply the {$250.00} promotional to the account. I feel like this was a bait and switch.
Product: Mortgage

For over a year I been I contact with XXXX XXXX  customer service train to resolve the residual payment for my insurance company from hurricane Maria 2016 and I have resolved any thing every time I call they give me a different history, the home repair all ready pass the inspection 100 percent and they dont want to give me the XXXX, please I will like to ask you for help. My loan number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX phone XXXX XXXX XXXX phone XXXX. Thank you.
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 : # XXXX, US Dept Of EDXXXX : # XXXX, US Dept Of EDXXXX : # XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX 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 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: Credit reporting or other personal consumer reports

I am writing to request unauthorized credit inquiries on my XXXX Credit Report. My latest credit report shows 3 credit inquiries that I did not authorize. 

XXXX : Inquiry Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Inquiry Account Name : XXXX XXXX Date : XX/XX/XXXX Inquiry Account Name : XXXX XXXX Date : XX/XX/XXXX XXXX : Inquiry Account Name : XXXX XXXX Date : XX/XX/XXXX Inquiry Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Inquiry Account Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Inquiry Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Transunion : Inquiry Account Name : XXXX XXXX Date : XX/XX/XXXX Inquiry Account Name : XXXX XXXX  Date : XX/XX/XXXX Inquiry Account Name : XXXX XXXX Date : XX/XX/XXXX Inquiry Account Name : XXXX XXXX Date : XX/XX/XXXX Please have these inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
DPT EDXXXX XXXX Balance Owed : {$10000.00} ; DPT EDXXXX XXXX Balance Owed : {$24000.00} ; XXXX XXXXXXXX Balance Owed : {$6300.00} ; DPT EDXXXX XXXX Balance Owed : {$2000.00} ; DPT EDXXXX  XXXX Balance Owed : {$3000.00} ; DPT EDXXXX XXXX Balance Owed : {$3000.00} ; DPT EDXXXX XXXX Balance Owed : {$1800.00} ; DPT EDXXXX XXXX Balance Owed : {$3500.00} ; DPT EDXXXX  XXXX Balance Owed : {$6800.00} ; DPT EDXXXX XXXX Balance Owed : {$4900.00} ; DPT EDXXXX XXXX Balance Owed : {$3200.00} ; DPT EDXXXX XXXX Balance Owed : {$21000.00} ; DPT EDXXXX XXXX Balance Owed : {$4000.00} ; DPT EDXXXX XXXX Balance Owed : {$7000.00}.
Product: Credit card

The Apple Card, issued by Goldman Sachs, refuses to completely close my account ending in XXXX, making it null and void, with a {$0.00} balance. I have called them multiple times and shared with them my XXXX  XXXX Bankruptcy that was successfully discharged in XX/XX/2022, and they still refuse to remove the account in question even though it was included in my Bankruptcy filing. 

What they are doing is illegal, still trying to collect on a debt that has been discharged. My lawyer sent them multiple letters in the mail as well. 

This account is still showing as active on my Apple ID Profile, and as such, will not allow me to apply for another Apple Card, because they say this account is still active, and not discharged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed some accounts that has been reporting wrong info, they said they have investigated, and still reporting wrong info. I have advised them to delete that account, because according to FCRA they are reporting wrong information and had provided proof of wrong information.
Product: Credit reporting or other personal consumer reports

I want all those injuries off my credit score and report I wnat XXXX XXXX off it I wnat XXXX XXXXXXXX off it go Whatever eles demove
Product: Credit card or prepaid card

I have been banking with bank of america for close to 10 years now. I recently in  XXXX ,   XXXX   transferred my balance from my bank of america account to a new account with  XXXX . i sent a  XXXX  dollar payment in  XXXX ,   XXXX   my account should have been paid in full and that should cover anything leftover. There was a  XXXX  dollars left ; i was with the understanding my whole balance was  XXXX . So i had  one  missed payment. instead of being notified i was reported to the credit bureau and my credit limit was slashed from  XXXX  to  XXXX   ,  which plummeted  my credit score m ore than  XXXX  points. This is wrong i had  one delin quency ( that should be removed under the case of misunderstanding/ miscommunication ) and now everything i have built gets thrown away and i 'm told there is nothing that can be done. Im a veteran who has recently been looking to get a home I cant use this  credit score hi t, this is criminal what has happened. I paid  XXXX  dollars  a two  months before this, i cant get a grace period or a phone call to be notified.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I opened a credit builder account with Self Inc. On XX/XX/XXXX I told them I no longer wanted their service and I paid their fees. They updated XXXX and XXXX to show a paid and closed loan for XXXX. Self Inc refuses to update XXXX. Ive disputed this account with XXXX and XXXX will not update because Self Inc says that its a open loan with a balance of XXXX. Ive given XXXX proof of the paid and closed account. Ive contacted Self Inc several times via online chat and by email. Still nothing is resolved. It looks like I have debt on my credit report owing a company XXXX dollars even though it is not a real loan. Ive paid their fees and contacted both sources but no one from either company will resolve this issue. XXXX and XXXX had updated correctly. It took like the end of XXXX to update. XXXX refuses to update or Self Inc is giving false information to them about me owing money.
Product: Debt collection

Portfolio Recovery keeps making threatening, repetitive calls with abusive, profane language. Swearing to sue me, destroy my credit and have me thrown in jail, because of the credit card amount I owe them.
Product: Checking or savings account

I have 9 transactions all for {$100.00} charged from this company : PURCHASE AUTHORIZED ON XX/XX/05 XXXX XXXX XXXX XXXXXXXX XXXX XXXX from XXXX to XXXX. I whole heartedly believe that Wells Fargo didnt even ATTEMPT to do any research before denying my claim. This is utterly ridiculous, and they should be ashamed of themselves for their deceit. Had they in fact did their job and investigated, they would see I have never signed up for this company and not have denied my claims. I am going to take this further if I do not get this resolved.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent a notification to the credit bureaus to review my report and found erroneous information even in my personal information. According to my knowledge, this can not be the case, since the bureaus must be accurate. On their website they indicate that to resolve any inconsistency you could send disputes to their offices, which I have been doing and have not received a single response.
Product: Credit reporting or other personal consumer reports

I'm very much thankful that the inquiries I requested to be removed were indeed mostly removed, though, there were still four more that I need to remove from my credit report. Please see these inquiries that needed to be removed within 15 days time : XXXX : XXXX, XXXX XX/XX/2023 XXXX, XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 TRANSUNION : XXXX XX/XX/2023
Product: Prepaid card

I received this prepaid Amex gift card from my former company, XXXX, as part of a performance reward. 

Card was issued under my name, and sent directly to my address via postal mail. 

I called to activate and confirmed the full card balance is available to spent on XX/XX/2024. Thereafter, I've tried to purchase an XXXX XXXX deal in the evening of XX/XX/2024 using this card and payment was declined. Iwent in to reverify and confirmed the gift card payment detail again and got another rejection XXXX days later (XX/XX/2024 ). I then proceeded to redeems via
XX/XX/XXXXgift card reloading approach to exhaust the Amex prepaid gift card balance and got several payment declines
. These attempts were made directly via XXXX website. Attempts were made for various reload amounts. I've also tried spending this Amex prepaid gift card directly at my local XXXX store, for a roughly {$12.00} grocery, and payment was rejected. 

I did a XXXX search and it seems like many people have reported having this problem starting this past year. 

I also wanted to share on the difficulties in checking the prepaid gift card balance. Ease of access for the full transparent details of the transactions -- pending or posted -- is non-existence. After waiting for XXXX hours -- and even XXXX days later -- I am still unable to check my gift card balance directly via the company 's website. Never had such difficulties with redemption and the balance check issue with the previous XXXX Amex prepaid gift cards that I've received from XXXX before.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this coomplaint with the help of the Consumer Financial Protection Bureau to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts and information that I did not open and have no knowledge of being reported on my Credit File. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. According to FCRA Section 605B ( a ), XXXX shall block any information in the file of a consumer that the consumer identifies as information that resulted from the fraud, not later than 4 business days after the date of receipt. Please block this information from my credit report, pursuant to section 605B of Fair credit reporting Act and send the required notification to all furnishers of this information.
Product: Debt collection

Your announced actions on XXXX XXXX XXXX VS XXXX XXXX XXXX sounds like the issues with XXXX XXXX XXXX in their case filing of XXXX XXXX XXXX in Wisconsin. 

The attorney XXXX XXXX filed an affidavit with false and misleading claims. 

1 ) They have a file and computer system that only outputs true, complete and accurate information.
2 ) The account they are trying to collect on has been in existence from XXXX. 

I do n't believe the firm has a magic file cabinet of truth or a computer system of such. And I have 1st hand personal knowledge - the account from XXXX was cancelled by the claimed creditor XXXX XXXX when it had a {$0.00} balance, only one historical overdue payment, and a history of non-use for months before cancellation. The last 4 digits the firm submitted with a document from a XXXX date showed a different last 4 digits VS the claimed last 4 digits which had been the account number from XXXX. 

The XXXX action noted how review of the account was needed before filing and a review would have shown a lack of activity from around XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

This is really concerning, the security of my personal information seems to have been compromised as there are items on my report that do not appear to be associated with me. My personal information have been accessed by unauthorized individuals.
Product: Vehicle loan or lease

In XX/XX/XXXX, I purchased a car from XXXX XXXX with a car loan from XXXX XXXX In summer XXXX, I paid off the loan from my personal checking account at Webster Bank. In XX/XX/XXXX I contacted XXXX in XXXX to get a copy of the title for this car. XXXX stated that there was a lien on the car. XXXX XXXX ( XXXX XXXX XXXX ) said that they had received the payment in full in XXXX, but that the XXXX XXXX Webster Bank " looked like a refinance. '' They stated that they had contacted Webster at that time for confirmation that it was not a refinance. They said that Webster had not responded. They said that they would release the lien if I would " fax a letter from Webster to me '' saying that " Webster has no interest in the vehicle. '' Webster Customer Service, my Webster branch have not be able to supply this letter ... although Webster has never provided car loans.
Product: Money transfer, virtual currency, or money service

I have tried contacting Robinhood multiple times multiple ways with no response. They restricted my account and told me it would only take a day. That was in XX/XX/2024. Now they have blocked me from contacting them in everyway. I want to move my crypto out to another wallet but they will not allow me to.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, Tx XXXX XXXX : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Telfono : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, XXXX XXXX Tx XXXX 2. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
3. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
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. 

XXXX5 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. 

Creditor Name : US DEPT OF EDUCATION Address : XXXX XXXX XXXX XXXX TX, XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX US DEPT OF EDXXXX Address XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, IA XXXX XXXX : XXXX - {$54000.00} XXXX EQUIFAX - {$54000.00} XXXX - {$30000.00} Dates last REPORTED : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX EQUIFAX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a complaint to Experian. Experian is reporting incorrect and fraudulent information on my credit report. I do not or have I ever had a XXXXXXXX XXXX and this address XXXX XXXX XXXX is not my address, I don't have any association with this address I don't live here. I don't get mail here. the discover fraudulent account is not mine. never authorized or opened this account