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

My wife purchase d 2 {$50 0. 00} Visa Prepaid Gift Cards fro   XXXX   XXXX   XXXX   on  XXXX   XXXX ,   XXXX  , costing a total of {$1000.00 } ( {$5.00}  activation fee per card ). My wife provided the  Visa Prepaid gift ca rds to me, and I registered them under my name and address provided. None of the cards ' information was provided to anyone except for when used to make a payment fo r one of my wi fe 's hospital bills paid on  XXXX   XXXX ,   XXXX  . On  XXXX   XXXX ,   XXXX  , there w ere 3 fraudule nt charges detailed in this report.  Two charged tot alling {$480.00} was charged on prepaid card ending  XXXX .  One char ge of {$250.00} was made on card ending  XXXX . Total fraudulent charges is {$740.00}.      Two charg es were made in the city of  XXXX , CA at a  XXXX   XXXX  on  XXXX / XXXX /  XXXX    XXXX   XXXX   XXXX   XXXX   an d one charge  in the city of  XXXX , CA at a   XXXX   XXXX   on  XXXX / XXXX /  XXXX    XXXX   XXXX   XXXX   XXXX   based on online transaction data provided by   XXXX       Someone had prior knowledge of the account # of the prepaid visa gift card and was able to identify when the card was activated as it only took 2 days from day of activation to fraudulent use.     A current dispute has been file w ith US Bank  who issues these visa prepaid gift cards.     Based on a quick google search, there have been many instances of this happening to people who buy the variable load visa prepaid cards from primarily  XXXX  and other supermarkets. The cards are mostly th e black cards wit h purple gift box pictures on the packaging. BUYER BEWARE.     There is a current dispute with  US Bank, the issuer of the visa prepaid c ard, but due to the large amount fraudulently used, I am reaching out to CFPB to expedite the process as I need access to these funds quickly.
Product: Money transfer, virtual currency, or money service

Someone called me and said that my account was gon na be closed if I didn't add money so I did and they took it. I sent {$600.00}
Product: Credit reporting or other personal consumer reports

XXXX- Unsecured Loan with account # XXXX opened on XX/XX/year> and a balance of {$0.00}. I previously disputed this account stating : ''I dispute the missed payments and late payments on this account. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. Please provide proof and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. XXXX XXXX XXXX I XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( XXXX ) ( b )
Product: Mortgage

PHH Mortgage was advised to pay our property tax bill due on XX/XX/year>, for the amount of {$7500.00}, a 2 % discounted rate to XXXX XXXX of XXXX XXXX collector. We sent an email with the attached property tax bill on XX/XX/year> to PHH Mortgage. We requested payment, a full month prior to this original due date for our property taxes. We have enough available funds in the escrow account to cover this property tax bill which PHH Mortgage failed to pay despite phone calls reminders and the email. The property tax bill subsequently increased to {$7700.00} and is now due XX/XX/year> and likely payment is in doubt as well. The unpaid subsequent property tax bill increased our payment liability by {$150.00} dollars. PHH Mortgage also has other unpaid XXXX XXXX property tax bills attached to our escrow account and accruing interest in excess, of a 2 % discount accorded to early payers which we would half qualified for. PHH also has XXXX other unpaid tax amounts that an email copy of the bill was sent to them without any advisement to us regarding any payment plan.
Product: Credit card

On XXXX XXXX an hard inquiry showed up on my report and it was not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Businesses that provide consumer information to credit reporting agencies have obligations under the Fair Credit Reporting Act ( FCRA ) to ensure compliance with certain procedures and protect consumer privacy. Accuracy of Information is required by law. Businesses must ensure the accuracy of the consumer information they provide to credit reporting agencies. They should have reasonable procedures in place to verify the accuracy and completeness of the data they furnish. If a consumer disputes the accuracy of the information, businesses are obligated to conduct a reasonable investigation. They must review all relevant information provided by the consumer and correct or delete any inaccurate or incomplete information. The fact remains that the name reported by both XXXX XXXX XXXX as well as XXXX XXXX is not my legal name. The nature of the information concerning these accounts is also inaccurate. I have made numerous disputes with XXXX XXXX to remove the inaccurately reported information but with no success. My next step is litigation and this complaint is simply an opportunity to demonstrate before a XXXX XXXX judge or administrator that a final attempt is given to the offending organizations to comply with the law that oversees their actions. I provide with this complaint my American passport book and card as well as my apostille birth certificate bond. The legal first name is XXXX. THERE IS NO MIDDLE NAME. IF A MIDDLE NAME IS RECORDED IT IS XXXX AS SEEN ON THE BIRTH CERTIFICATE BOND. There is no legal basis for the information being reported by XXXX XXXX XXXX XXXX XXXX BANK and/or XXXX XXXX. The debt collectors MALEN & ASSOCIATES as well as XXXX XXXX XXXX XXXX are utilizing this false information for personal gain. These debt collectors claim to represent these credit card companies but in fact they have purchased these debt obligations in an attempt to collect on them. XXXX XXXX XXXX XXXX in particular claims to represent XXXX XXXX by way of a default judgment in a XXXX XXXX XXXX XXXX yet is unable and/or unwilling to join themselves to a XXXX XXXX Supreme Court case where XXXX XXXX  is named as a potential creditor. This is index # XXXX. The fact that XXXX XXXX  and/or XXXX XXXX XXXX XXXX remains unable and/or unwilling to collect on a default judgment rendered almost four years ago speaks volumes to the frailty of said judgment as their claim is also subject to collateral attack. I reserve my right to pursue any and/or all offenders to the fullest extent of the law. I'd like to take this time to thank the men and women at CFPB for their efforts toward protecting the public.
Product: Credit reporting or other personal consumer reports

I am seeking your assistance regarding an incorrect account appearing on my credit report. This issue has harmed my reputation as a customer, and I need your support. These accounts should be removed because they have been reported incorrectly and unfairly.1
Product: Credit reporting or other personal consumer reports

Under title 15 usc 1681 And the laws of commerce, I have reached out to experience and XXXX. And XXXX with these laws stating that I never gave my written Permission To disclose any negative. 
Information on my credit reports, and there are a lot of inconsistencies within each Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Updated tradeline XXXX XXXX XXXX XX/XX/XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD N/A Account closed by credit grantor Bankruptcy XX/XX/XXXX XXXX XX/XX/XXXX THIS ACCOUNT WAS NOT CHARGED OFF AND NOT CLOSED BY CREDIT GRANTOR ... ... THIS ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY AND HEREFORTH DISCHARGED UNDER THE FEDERAL BANKRUPTCY CODE. PLEASE ADJUST YOUR RECORDS ACCORDINGLY TO REFLECT THIS ERROR.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting XXXX  Account # 's XXXX XXXX XXXX Credit Control Corp XXXX XXXX XXXX XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C.1681 section 602 A.States that 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 with out my written instructions. 

15 U.S.C. 1681c ( a ) ( 5 ) States 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 ) 15 U.S.C. 1692C Without the prior consent of a consumer giving directly to the debt collector or express of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written this company several times to remove this misleading account on my credit profile. They refuse to remove this fraudulent account that is ruining my credit rating that is preventing me from obtaining a mortgage. 

I have reported to ftc and sent Experian the paper work. They have still failed to send me proof of original contract for the fraudulent account. I need this fraudulent account remove immediately.
Product: Credit card or prepaid card

My cell phone broke credit karma did not recognize my tablet but did recognize my sim card. I called XXXX time no would help me even when I email my valid Washington state drivers license, birth certificate bank atm card and bill.also I sent XXXX different vehicle titles and a car insurance claim all with my address. I have lived here XXXX  years. They will not change my phone number they accept landlines which I have but refuses to do anything. So the are basically stealing my income tax return. The told me it was accepted then that it wasn't. I only logged in on XXXX devices from the same location. I am so frustrated XXXX is my only option they refuse to do anything. I've called and sent over XXXX emails.credit karma has the worst customer service other planet.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO LOAN OR LEASE 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have disputed error 's on alleged collection accounts that are reporting negatively on my credit report. I have tried my best to contact all parties. I can not dispute online on any of the XXXX major agencies website. I was denied a home loan XX/XX/2016. Because of this inaccurate data reporting. how come the XXXX bureau 's websites can stop allowing me access. also in the dispute process most accounts were updated against my wishes. is it legal to change an accounts payment history?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate negative information listed on my consumer report. As a consumer, I am protected by several laws, including the Fair Credit Reporting Act ( FCRA ) and the Consumer Credit Protection Act ( CCPA ), which fall under Title 15 of the United States Code.

The FCRA requires that credit reporting agencies like your company provide accurate information to consumers and investigate any disputes related to the accuracy of the information contained in a consumer report. The CCPA further regulates the collection, reporting, and use of consumer credit information.

After reviewing my credit report, I have identified several inaccuracies that are negatively affecting my credit score, including late payments, accounts in collections, and charged-off accounts that do not belong to me or have already been resolved. These inaccuracies violate the FCRA and the CCPA, which require that credit reporting agencies like your company provide accurate and complete information.

Additionally, under Section 605B of the FCRA, you are required to notify me when you provide negative information to a third party. However, I have not received any such notification from your company, which further violates my rights as a consumer under the FCRA. 

Moreover, the Electronic Fund Transfer Act ( EFTA ) and the Truth in Lending Act ( TILA ), both of which are contained in Title 15 of the United States Code, provide additional protections to consumers. The EFTA requires that consumers receive accurate and complete information about electronic fund transfers, including any fees or limitations, while the TILA requires lenders to provide accurate and clear information about the costs and terms of credit. 

Therefore, I am requesting that you immediately investigate and correct the inaccurate information listed on my credit report, provide me with a notice of negative information under Section 605B of the FCRA, and ensure compliance with all applicable laws, including the EFTA and TILA. Failure to do so may result in further legal action and complaints to the CFPB. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I'm submitting this complaint by myself and there's no third party involved. This account that I'm stating below is in violation of 15 USC 1681s-2 and 15 USC 1681i for reporting innacurate informations on my credit report. I demand you to remove this fraudulent account immediately! 
XXXX XXXX XXXX XXXX {$1400.00} I have submitted an FTC report ( check attached file ).
Product: Credit card or prepaid card

I AM XXXX AND XXXX XXXX XXXX AND XXXX XXXX A THING. 

THEY ARE UPSET AT ME FOR PUTTING IN DISPUTES. THEY ACCUSED ME OF LYING WIHICH IS A TOTAL LIE. THEIR FOLKS PUT ALL IN AND MADE SO MANY MISTAKES. I ACTUALLY WAS THE ONE WHO CALLED ON ALL OF THEIR ERRORS. 

I DO NOT LIKE TO BE ACCUSED OF THINGS I HAVE NOT DONE. 

THE KIDS MADE SO MANY ERRORS AT CITI CARD AND FOR ME OT BE BLAMED IS SICK. IT IS ALSO ABUSE AND LIES. 

XXXX XXXX FOLK CAN XXXX XXXX AND THEY TRUST THOSE TO DO THINGS RIGHT. I WAS WALKED ON. 

I TRIED TO TALK THIS OUT, BUT SINCE I AM XXXX XXXX XXXX AND NO ONE LIKES XXXX FOLKS, I AM TOLD AS ALWAYS, LEAVE US ALONE AND PUT IT ALL IN WRITING. 

TODAY I GOT A CALL AND DO NOT KNOW WHY. 

THEY REFUSE TO PUT MY CREDITS THROUGH. 

I HAVE ALOT OF MILEAGE AND THEY DID THIS ON PURPOSE. 

CITI IS BLAMING ME FOR PUTTING IN DISPUTES. TRUST ME, IT IS MY XXXX AND THEIR WAY OUT OF PROVIDING THE NEEDED TOOLS TO THE XXXX  AND XXXX  XXXX XXXX SO THEY DO WHAT THEY DO TO HURT AND TO LIE TO GET RID OF THEM. LOOK AT THE PATTERN. 

DISCRIMINATION AGAINST A XXXX  AND XXXX PERSON SHOULD BE AGAINST THE LAW. I PUT MY TRUST IN THEM TO DO WHAT IS RIGHT AND THEN I GET ACCUSED OF STUFF I NEVER DID. 

I HAD MY HAIR RUINED AND PUT IN A DISPUTE AND ALSO AT XXXX IT WAS A MESS. CITICARD IS THE ONE WHO MADE SO MANY ERRORS AND NOT ME. I HAD TO CALL DUE TO THEM MAKING THE ERRORS. THE DID MAKE MORE THAN ONE ERROR AND TO BLAME ME, WHEN IT IS THEM IS SICK.
Product: Credit card

I received a text message from a suspicious number XXXX claiming that they are from Citibank XXXX. Can you please verify its validity? I did not click any link or try to reply! 



Your account from CITIBANK, N.A.XXXX has been placed with our office. Please check your email for additional information from XXXX or visit XXXX XXXX XXXX This text is from XXXX XXXX XXXX a debt collector. 
California License Number : XXXX. Reply stop to opt-out Thats it. Thank you! XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit reporting Everything has to be 100 % accurate on my credit report. 

The credit report states my account was properly investigated but How is that if The address that XXXX XXXX is reporting is incorrect I never live at this address shown on the The original contract XXXX XXXX XXXX XXXX Fl XXXX I requested from the creditor a copy of the Explanation of Calculation of Surplus or Deficiency this letter was sent out on XX/XX/XXXX How could I have received this Letter if I never stayed at the above address I am attaching documents Shows my address where I was living at the time that this letter was sent out i was currently staying in a XXXX abuse shelter Address is XXXX XXXX XXXX XXXX where I was staying at the time of this letter I have a copy of the letter that the Shelter provide for me for verification purposes up until that time I moved into my own place Address is XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX my move in date was XX/XX/XXXX I have attached my rental charge payment ledger to show the date I moved in This place the dates and Address do not match what the creditor is Reporting on my credit report Explanation of Calculation of Surplus Deficiency states I live at XXXX XXXX XXXX XXXX Fl XXXX this is not true or accurate ive already submitted a dispute on the accuracy of the Debt I owe is inaccurate two on my Explanation of Calculation of Surplus or Deficiency it shows a balance of XXXX The creditor reporting a balance that shows on my credit report is XXXX Is not accurate I am attaching documents showing the accuracy of my address And the Balance thats being reported Is not accurate This guards for removal they also violated my rights Under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 2 : it also states a consumer reporting agency can not furnish a account without my written Instructions Also the credit bureau to more than 30 days to complete my investigation
Product: Debt collection

I have been receiving non stop calls about a debt that I have no knowledge of and it is now back on my credit report. The total amount is {$880.00}.
Product: Debt collection

Dear CFPB Please be advised that I was not served or informed by Citibank about an allege credit card Judgment against me. Also they allegedly sold this judgment to a third party and I was not notified from either party.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX data breech frad victim and agencies and companies illegally reporting negative information Negative information from fraud needs to be removed : Never late, fraud XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Condition : Paid ID fraud XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX Condition : Derogatory Derogatory Balance : {$3700.00} {$3700.00} Type : Credit Card Pay Status : Collection/Chargeoff Collection/Chargeoff unkown XXXX XXXX XXXX XXXX XXXX Account # : XXXX Condition : Derogatory Balance : {$2100.00} Type : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX 
Account # : XXXX High Balance : XXXX Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Balance : XXXX Condition : XX/XX/XXXX Responsibility : Individual
Product: Debt collection

I had a loan with Check n go and was keeping up with my payments up until almost the end of the loan. I have received a few emails from them, and I only still have one. But one of the said that they could see that I had borrowed money from them and " Never bothered to pay it back '' which is not true, I actually paid them more than I had borrowed to begin with, I just fell behind before I made all of the payments including interest. I consider that offensive, because they are trying to shame me in to the rest of the payments by saying I did n't bother to pay. I had already paid well more than was borrowed to me, and I was trying to keep paying them, but groceries are more important. I have also received unsecured emails that fully disclosed my debt and account numbers. Things that I would consider personal information with no security at all. I am familiar with the FCDPA and I feel like my rights within that have been violated.
Product: Money transfer, virtual currency, or money service

I called Marcus upon learning of my fraud issues with my bank. 
I requested a transfer along with changing some email and contact info, They have locked me out. Wont send me money. Continue to boldface lie. Lies extend to giving me false ticket numbers as well as info stating what they are doing to fix it. 

They are currently withholding XXXX
Product: Credit reporting or other personal consumer reports

Tried calling all credit bureaus to correct my last name and my credit readings still say XXXX for the last name and it should say XXXX. XXXX XX/XX/year>.