23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

There was a previously scheduled payment for the same day I was attempting to make a payment to pay the balance in full. Wells Fargo would not allow more than one payment. There is no information in their card agreement on application terms and service that limits the payment per day or per month. 

I feel this is an unfair deceptive and abusive act and practice in an effort to ensure they can collect unearned interest on unsuspecting consumers. 

I spoke with XXXX XXXX in the Credit Card Customer area and was unable to assist me.
Product: Payday loan, title loan, personal loan, or advance loan

applied for a debt consolidation loan, approved for XXXX, but underwriter said i must pay off my loans obligations before the can give me the loan, which i already agreed too, in which that is why i applied for a debt consolidation loan in the first place
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXX : XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 
Collection account from Unknown with account # XXXX and a balance of {$75.00}. The original creditor is Unknown. 
I never had a contract with this debt collector for any debt. 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. 
Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter. 
Sincerely, XXXX XXXX If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  is reporting a negative balance and negative account since XX/XX/2013 and the account was taken care of in the loan modification in XX/XX/2013.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX I received a copy of my credit report and realized someone has stolen my personal information to open fraudulent accounts using my identity the following accounts are results of fraud : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

ON ACCOUNT WITH XXXX XXXX XXXX XXXX XXXX WAS AGREED THAT IF PAID IN FULL SETTLEMENT AMOUNT THAT THE ACCOUNT WILL BE DELETED FROM MY CREDIT REPORT THE SECOND ACCOUNT WAS DELETED AS PROMISE BUT THE OTHER WITH XXXX INSIDE OF ACCOUNT NUMBER CONTINUE TO REMAIN ON MY REPORT AS A NEGATIVE ITEM WHEN ACCOUNT HAS BEEN SETTLE EVERYTIME I TRY WITH THE CREDIT BUREAS THEY JUST SAY THE ACCOUNT HAS BEEN CLOSED BUT I NEED IT DELETED DUE TO IT CONTINUE TO NOT ALLOW ME TO HAVE POSITIVE CREDIT HISTORY. PLEASE DELETE FROM ALL CREDIT PROFILES.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Remove the following fraudulent information completely from my Credit Report : XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$23.00} ; 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

All my student loans have been paid off. There is outdated information on all 3 credit reports. There is false information, I need all addresses and old phone numbers removed. All the inquires need to be removed. I am protected under title 15 U.S. codes 1601,1602, 1681n,1681o Done in good faith all rights reserved without prejudice I also am asking to be compensated for my time and the injury, loss and harm caused to my good name and credit. 
By : XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

i have insurance and medicate ( part a ) but hospital never processed second insurance. Also sent certified mail request for validation, no response to date
Product: Credit reporting, credit repair services, or other personal consumer reports

Allied Collections Services Inc ( ACSNV ) located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, has placed a false collection of {$5300.00} dollars on my account. 

I have explained them that it is clear case of Identity fraud and also explained I was not even present in the country to do cash withdrawal. 
Due to there lack of due diligence someone has withdrawn money out of my XXXX XXXX credit card without my knowledge.I quickly called XXXX and reported a fraud for those charge. 
Collection company is now harassing me by placing the collection on my account and ruining my credit history.

I have never even missed a single payment on my credit card and my Credit Score has always been above XXXX. 
Tried explaining the same thing to the Company but they are just strong headed to understand or even help me resolve the situation. 
There contact number is XXXX
Product: Debt collection

The account in question is a Macy 's XXXX account ending in XXXX with Citibank. 

This account that seems to be in your office now was previously settled. 
We reached an agreement with Citibank in XXXX of 2018. The letter states that there would be monthly payments of {$740.00} beginning on XX/XX/2018 with a final payment of {$740.00} due XX/XX/18. This is a total of 10 payments, equaling {$7400.00}. 

According to our records, all payments were sent and cleared.. I've attached the screenshot of our system and the proof of payments with check copies as well as the original settlement letter that came in XXXX. 

We believe this is an error by Citibank as this account has been paid. Otherwise, the funds sent over must be returned to us immediately as they would not have been applied to the settlement as they were supposed to. All checks had the client 's name and the last 4 of the account number the funds were supposed to be applied to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report recently as noticed a few things that was being reported might not be correct. I have asked both Credit bureaus and the creditor to start an investigation and send information on this account and they have failed to do so. I also read the FAIR CREDIT REPORTING ACT it stated that I have the right to challenge anything Im not sure is accurate on my report. They are reporting things on me that is not accurate and will not provide proof or accurate reports that match. 

Im also familiar with 15 U.S.C. Sec. 1681i ( a ). It stats that you cant provide proof these account are 100 % accurate they must be deleted. I have disputed this account for almost a year and they only I get back is verified with no information changing. This is a clear violation of my consumer right and its defamation of character as well. The lawyer I spoke with said I should contact you guys before taking legal actions. I noticed one for the credit bureaus deleted the account because the information reported was not accurate. I know by law I have to give you 30 days to investigate so please investigate this issue and delete the accounts for false and inaccurate reporting. After this investigation report please send me an updated copy of all three reports Name of account : XXXX Account number : XXXX Issues : charged off open date closed date reported balance last payment Please provide proof that this account is being reported 100 % accurate or delete this account from my credit profile Thank you
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed one account that i wanted a little more explanation ; this account ( XXXX XXXX XXXXXXXX ) is SPECIFICALLY reporting INACCURATE. I have been sending in numerous letters for the past few months and I have not gained any recognition on my dispute!!! On each credit bureau the information is reporting un-accordingly on Numerous details and XXXX, equifax, and XXXX refuse to hold this creditor accountable!! the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Each credit bureau is VIOLATING my rights and this law!

15 U.S.C. Sec. 1681i ( a ) States that if you can't provide proof, these accounts must be deleted. Well I want this account deleted lf they are not 100 percent correct on all XXXX bureaus So, could you please check on this account and get back with me? I met with the state board where a lawyer says you have 30 days to complete this investigation. 
Please investigate the following account and remove them if anything is missing or not correct on them. 

Type of Account : Charge-Off Action Requested : You Have disobeyed the FCRA laws PLEASE investigate if every piece of information is correct. If not, please remove it from my credit report. Also, please let mo know who had access to my fle. I want the investigation outcome to be sent to my address! put on the Headline. Please provide proof that its reporting correctly from the CourtHouse and not a third party and delete if anything is incorrect. Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th time contacting XXXX and Equifax about violating my consumer rights and reporting late payments on my consumer report in XX/XX/XXXX  for account XXXX XXXX XXXX XXXX 

This is now beginning to affect my livelihood and chances of buying a home. 

Because this is my fifth attempt and I have proof of me contacting both Equifax and XXXX I will seek legal action if the late payment for XX/XX/XXXX XXXX  is not removed
Product: Payday loan, title loan, personal loan, or advance loan

The events went like this : XXXX. XX/XX/2023 - Giggle Finance approved me for a funds of {$900.00} XXXX. XX/XX/2023 - Giggle Finance deposited {$830.00} into my account ( therefore, taking out the fee I thought they were going to take as they state on their website ). 
XXXX. XX/XX/2023 - Email only sent ( no paperwork ) congratulating on approving me for {$900.00} and that payments of {$120.00} would be debited or paid weekly. 
XXXX. Log into my account with Giggle Finance and the dashboard for my account that on XX/XX/2023 they funded me {$1300.00}!!! Which is completely not true per their email and my bank statement showing my deposits. 
XXXX. They are now requesting XXXX payback an entire {$1300.00} when they already took out a fee from their payment ; and since this is an advance ( not a loan ) should not involve interest payments. 
XXXX. In the dashboard, they state that the funding will not impact credit score but the website shows that they will report to the credit bureaus. 

Anyway you can help is greatly appreciated to stop them from their predatory practices. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am applying for a mortgage with XXXX XXXX XXXX. Despite multiple attempts to pull the credit report, the lender is unable to pull my report. I called Experian multiple time, and Experian claims there is no problem with releasing my credit report. For some reason, Experian will not let certain lenders access my credit report. I have been on the phone over 8 hours being transferred back and forth through Experian, but unable to have this issue resolve. I need help getting Experian to release my credit report to XXXX  XXXX XXXX Mortgage Service through their third party vender XXXX XXXX.
Product: Checking or savings account

The nature of the wrong doing is that today, XXXX, is the THIRD time I walk up to a PNC ATM, make a deposit of {$280.00} or {$300.00} ; and the balance that I previously had is missing. PNC is STILL alleging it was removed for " bank fee ; '' But that is a complete LIE! Someone is STEALING my {$1.00} etc. Today it was XXXX dollars STOLEN, and they want to say " MONTHLY FEE. '' I opened my account XXXX of XXXX off of XXXX XXXX XXXX, XXXX XXXX, FL. I was informed there are NO Monthly fees if you deposit at least {$500.00}. If you deposit LESS than that amount, there is a {$5.00} monthly fees. Look at my attachments, do you see {$5.00}? NO! You see made up figures. From XXXX of XXXX through XXXX of XXXX, I never got a fee. Then out of a sudden, I was still making the correct amount of deposits, and PNC was billing me {$5.00}. I filed a complaint. Now I get billed bogus figures. All I know is that PNC NEEDS TO close ALL the other accounts with my name and STOP stealing from me! It's either {$5.00} or nothing. Please let me know why my {$2.00}, from today, was removed from my account between XXXX XXXX and XXXX XXXX   EST, vs first thing this morning when transaction fees were deducted from all the other PNC Customers? Fees do not get deducted in the middle of the day. I called myself today around XXXX XXXX, I had a {$2.00} balance ; Made a deposit of {$280.00} and the {$2.00} were missing ; Called it in, and they chose to label it, MONTHLY FEES. NONSENSE! It's a lie. Look at the ledger and have PNC pay me back for all the FALSE monthly fees. Thank You, XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting

Some one help me, ATTORNEY GENERAL OFFICE, FBI, FDIC, OCC, and all other agencies, this is one of most disgusting things I ever seen, I have paperwork to prove XXXX XXXX CREDIT CARD closed my account out clean and reported me good for for over a year with account closed. Well someone disputed them at TRANSUNION or something, I am going after XXXX XXXX for money they owe me, the XXXX have nothing to do with each other, you are not gon na believe what XXXX XXXX did, and TRANSUNION, XXXX XXXX out of spite illegally put a remark on my TRANSUNION and brought my credit from XXXX to XXXX with a negative remark which has should never been on there, they are doing it out of spite, first of all I have every right to go after them for illegally embezzling money on my credit card, they have been reporting positive for over a year, but the issues run deeper, XXXX XXXX closed my card and said they did n't, but oddly right at {$1000.00} which was my secured deposit WHICH IN ITSELF MAKES NO SENSE, but they also re put disputes on their over {$1500.00} worth and kept the money, these things have nothing to do with credit reporting, but they put a negative remark out of spite with after being identity theft, beaten on property and other things they know, they have hurt my health, my credit to get a loan for car or home and job and then some, this is criminal and I will not rest til they pay for what they did, how gross and scary.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit report not popping up ins sytems. 
XXXX XXXX XX/XX/1993 is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX is my adress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my account and I peeped that there is some strange names, addresses and accounts that I have no ties to. I believe somehow my information was shared or mixed up with someone else. I need my report corrected at once I thought I had a right to privacy but clearly not if your company thinks its ok to post this misleading stuff and pin it on me unknowingly. I have loss sleep twice since these accounts were brought to my attention. I HAVE BEEN VICTIM OF IDENITY THEFT and also my information was breached in the Equifax 2007 and XXXX XXXX data breach. I did my research on the law, per section 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act and these items must be blocked and removed from my credit profile. I really need these items gone from my report due to them being false and inccruate. This is affecting my life and preventing me from getting approved for apartments so im homeless.
Product: Debt collection

I've sent a debt validation letter to this company and haven't received anything in return. This was over 45 days ago. I do not know this debt and would like to see a signed copy of the lease/contract binding me to this debt. If this company is unable to provide this, I'm requesting it be deleted ASAP.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : ACCOUNT NAME, XXXX Inquiry Date : XX/XX/XXXX ACCOUNT NAME, XXXX Inquiry Date : XX/XX/XXXX ACCOUNT NAME, XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX ACCOUNT NAME, XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX. I did not authorize those employed by these companies to inquire and view my credit report. In addition, I did not give you ( Trans Union ) permission to furnish this information on to my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 

I only gave XXXX XXXX XXXX permission on XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting

I recently obtained a copy of my credit report from Experian, and discovered that XXXX XXXX claims to have charged off an installment loan of mine. The date on the report that the account was opened ins XXXX/XXXX/2006. The account number on the report is : XXXX. 
The report indicates that it was a 60 month loan but there is no amount listed for the loan. 
I have never signed any documents with XXXX XXXX, and have not failed to pay any installment loan on time for any creditor. I want this error removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a loan from United Auto Credit in XX/XX/XXXX. From XX/XX/XXXX until XX/XX/XXXX with my final payment on XX/XX/XXXX ALL payment were made on time as reflected on my credit reports. In XXXX I traded in my vehicle to XXXX which they paid off the loan to United Auto Credit on XX/XX/XXXX in the amount of {$3200.00} paying off the loan. United Auto Credit continues to report a 30 day late payment in XX/XX/XXXX and refuses to remove it.
Product: Checking or savings account

In XX/XX/2021 I was notified by text message of my debit card being utilized in a XXXX. The first and only alert I received I checked my online banking to discover 14 total transactions had been approved without my authorization. I reached out to my bank letting them know I didnt approve those transactions. I then was issued a new debit card and credit for the fraudulent transactions. I then received follow up saying my claim was denied, I put in a new request for follow up. I then am told that my request was denied again due to transactions being in places I frequent. I asked for further remark and received none. Now my account is closed due to me not getting the fraudulent charges removed from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unverified account, amount {$210.00} Unverified account, amount {$210.00} Unverified account, amount {$260.00} Unverified account and is not my account, its FRAUD! 
All these accounts were investigated by XXXX then later deleted by XXXX however, EQUIFAX has yet to delete these FRAUD accounts!