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

I bought a XXXX  XXXX prepay gift card on XXXX at a XXXX store I put {$300.00} cash down on the card I never used the card. I checked the balance when I got home that night an hour or so after I bought the card and it already had {$140.00} charged on it, I will say this again I never used the card and to this day I have not had Acess to the funds I put down. After finding out about the charges I didnt make I called the number on the back of the card. The only why I could talk to a person is by entering the card number, exp. date and code on back and getting a recorded voice say the card numbers are invalid please try again after doing 4 to 5 time it gives the option to talk to customer service, they told me when I finally got a person there are no direct phone numbers to get to customer service, so I have to go though this process every time I want to talk to them and it takes about 30 ; minutes to do this process every time. 
Well I told them I didnt use the card and I filled a fraud complaint, they sent me a email and I faxed it to them XXXX XXXX XXXX who has a fax machine any way these days. Well I do now. And the card was put on hold including the undisputed amount of {$160.00} I had no acess to any funds. Well its XXXX XXXX XXXX and they are saying it will take 45 to 90 days to complete the investigation. Thats from XX/XX/XXXX I am told even though I faxed almost 2 weeks before that. 
I have spoken to 5 or 6 different representatives and its been a different story almost every time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is in someone else name a XXXX XXXX my name is XXXX XXXX I have never had XXXX account in my name my XXXX account is in my wifs name XXXX XXXX this is not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Upon reviewing my credit report, I found discrepancies on my Capital One Account ending in XXXX, Opened XX/XX/XXXX, Credit Limit of {$350.00}. The report states that late payments were made in the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The information is inaccurate. Payments were made on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. My bank reflect payments made to Capital One for the account in question. I have the banking statements to back up my claim. These late payments in question, should be reported deleted as they have been reported incorrectly. I have reached out to the company, Capital One, and all 3 credit bureaus, XXXX, XXXX  and XXXX.The discrepancies were disputed several times over the last few months and the documentation was uploaded and mail into the Bureaus. It would seem that my compliant has fallen on death ears. This is why I have decided to reach out to you for assistance. Attached is the bank statements with payments to capital one. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello and good day! I want to let you know that I'm serious in this complaint, my rights as a consumer is being violated as there are discrepancies on my credit report that seriously needs attention. These inaccuracies are gravely holding back my abilities in achieving financial freedom and getting approved for new credit. This is absolutely frustrating and affecting my overall well-being negatively.
Product: Debt collection

I would like to draw your attention to the account that is erroneously listed as a late payment account. After reviewing my report, I found discrepancies in the accounts listed below. I contacted the creditor to obtain validation of the debt, but they didn't provide any supporting documentation. I request that you provide concrete evidence of the late payment status, and if such evidence is not available, I demand the immediate removal of the negative payment status associated with these accounts from my credit report. FORD MOTOR CREDIT COMP XXXX.
Product: Debt collection

Dovenmuehle Mortgage , Inc. Called me at XXXX while I was in bed. I told the woman at the beginning of the call it is XXXX. She said well that may be so, but and she continued to talk to me about a home my ex husband is responsible for not me. Im a XXXX who gets up at XXXX. I dont appreciate the late call or the rudeness.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX XXXX XXXX was sent an initial dispute letter in XXXX 2017 of an incorrect reporting of a collections on my credit report. Both companies have been sent 3 letters with 2 being delivered certified by mail letters in which XXXX XXXX never responded and TransUnion claimed to do an investigation and stated information was verified and updated. After asking for a reinvestigation from TransUnion and demanding for detailed documentation of an original signed contract and the persons first and last name of whom TransUnion spoke with at the collection agency to verify that this collection account that is listed as XXXX on my credit report is in my name. I also asked for specific steps TransUnion took to investigate this collection, in return all I keep getting from TransUnion is " We verified that this item belongs to you. We have verified that this item has been reported correctly '' and still showing the same info to me as listed on my credit report. This collection is being reported INCORRECTLY on my credit report. This account number with XXXX XXXX is 1 ) being reported as an incomplete account number on my credit report 2 ) this account does NOT belong to me 3 ) Last Payment Date listed as XXXX/XXXX/2017 is inaccurate and does n't exist. 4 ) Listed as an open account. TransUnion has violated the FCRA rules by not investigating this account properly and I 'm requesting this collection to be deleted from my credit report immediately.
Product: Student loan

I submitted XXXX on XX/XX/XXXX for 3 employers. On XX/XX/XXXX I received a letter saying that 2 of my employers had been certified. I did not receive any information on my 3rd employer ( XXXX XXXX XXXX XXXX. All 3 ECF 's were submitted and received as one PDF so they all should have been reviewed/approved. I called on XX/XX/XXXX and asked about the 3rd ECF. They said that it was reviewed and denied on XX/XX/XXXX which was when account was tied up in consolidation so it caused an issue. She said that she saw no issues with the ECF and would put in for review within XXXX business days. I waited XXXX business days as well as 90 business days from original submission on XX/XX/XXXX and have not received any information on this ECF ( including information when it was denied on XX/XX/XXXX ). This was my longest employer and would have ensured employment verification for PSLF. It appears that MOHELA did this as a delay tactic to delay forgiveness.
Product: Credit reporting or other personal consumer reports

Why this account is still reporting in my account? I send dispute letters last month and never recieved any response for the bureaus. Please delete this account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX. XXXX, 2019 XXXX : {$200.00}
Product: Credit reporting or other personal consumer reports

I was a victim of ID Theft in the past and was made aware of it. I pulled my credit report and noticed unauthorized accounts on my credit report. 

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 XXXXXXXX
Product: Credit card

On XX/XX/year> I applied and was approved for a US Bank XXXX XXXX XXXX card with a promotional offer of XXXX XXXX after {$5000.00} spend. I completed the spend requirement on XX/XX/year> and my statement closed on XX/XX/year>. The introductory bonus offer was not awarded to my account. I called US Bank on XX/XX/year> to investigate and they couldn't provide a reason why. The representative said they will manually award the bonus and it will post to my account on my next statement. The following statement closed on XX/XX/year> and once again the bonus was not awarded.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to file a complaint against Trans Union, XXXX. XXXX XXXX, XXXX, PA XXXX. 

I have disputed an incorrect negative account that is incorrect / not mine and should NOT be on my credit report. I have tried multiple times to dispute it to be removed, I have sent them letters from the original creditor stated on the account proving they have no data for that account ever existing never the less being mine. 30 Days ago ( XX/XX/XXXX ) I sent over a dispute letter with the proof I received by mail from the original alleged creditor so they may remove the account. I have not received my results or any reply by mail to this matter. They are now in violation of my rights and need to be held accountable for causing such hardship. 

Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with Trans Union to date. Along with letters from the original creditor stating they have no proof of the negative reported account ever existing. This would mean the bureau had no way to validate this negative item and should have removed it. 

Also the credit reporting agency mentioned above has failed to respond to me with investigation results or removed the item within the allotted 30 day window and is now or very soon to be in violation of my consumer rights. I am requesting your assistance in putting an end to this ridiculous matter. PLEASE ORDER THE CREDIT BUREAU TO DELETE THIS INCORRECT, FALSE ITEM FROM MY CREDIT REPORT. This item has affected me terribly and completely handicapped my life and business. 

Thank you for your assistance.
Product: Debt collection

SETF/WOFC Acct # XXXX Please read carefully, I did not recieve the following : Pre Letter or Post Letter The Repo was not peaceful at all and I was very distraught! 
Is this account open or closed? On my consumers report it says closed but a mortgage company said it was open. I need more validation and recepits for this account and a copy of the 1099c. 

I also called the Gap insurance they said they paid your company and I need that information for my records. I have no records of the following ; there was no notice of the repo beforehand and this was during covid so please provide the following information or delete this from my account. I have no information on the company that came to my house and disturbed the peace of my home and neighborhood. The law states that it should be a peaceful process. I was supposed to get a Pre Letter and Post Letter. 

This vehicle was repossessed by your company in the State of NC on or about, XX/XX/2020. 

Under the laws of the State of ( NC ) UCC 9.506 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 

If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 AND XX/XX/2020 a finance inquiry was posted to my credit report initiated by GM Financial. This report was published without my consent. I am aware that Pursuant to the Fair Debt Collection Practice Act section 15 USC 1681b ( c ) ( 3 ) the creditor shall not furnish to any person a record of inquiries unless initiated by consumer. Also pursuant to section 15 USC 1681 b ( a ) ( 2 ) a reporting agency ( GM Financial ) can only furnish a consumer report in accordance with written instructions of consumer. Neither written instruction nor consents were initiated at ANY time. Therefore, pursuant to the above, I as a consumer have been violated and my privacy has been breached.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX {$11000.00} XXXX XXXX XXXX Account Closed Last Updated : XX/XX/2022 Credit Usage no knowledge of any closed account for XXXX, XXXX noone is responding to me, my credit score was XXXX 6 months ago and all of a sudden i have XXXX late payments from companies and accounts i dont know of
Product: Credit card or prepaid card

We were charged {$120.00} by Alaska XXXX for XXXX XXXX transaction on XXXX XXXX. 2022 even tho that transaction never went through and was refunded on XXXX XXXX on the same billing. the transaction did go through a couple weeks later and they are going to charge another 5 % next billing. we shouldn't have to pay XXXX for XXXX cash equivalent transaction.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have asked Experian, XXXX, and XXXX to reinvestigate the following accounts : name : XXXX XXXX XXXX account # XXXX name : XXXX account # XXXX name : XXXX XXXX XXXX, account # : XXXX name : XXXX XXXX XXXX, account # XXXX name : XXXX XXXX XXXX, account # XXXX name : XXXX XXXX XXXX, account # XXXX, name : XXXX XXXX XXXX XXXX account # XXXX name : XXXX funding, account XXXX XXXX name : DEPT OF ED/XXXX, account # *********** XXXX name : DEPT OF ED/XXXX, account # *********** XXXX The following hard inquiries : name : XXXX XXXX date : XX/XX/XXXX XXXX following soft inquiries 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 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 XXXXEXPERIAN 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  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more are incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 data is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Capital One Sparks Card appears twice on my XXXX report. I only have one capital One card and the other account should be removed. This account is a duplicate and needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to a portion of the data in my credit document ; not withstanding, there are still a few accounts to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

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

Signed up for free trial for XXXX  then company charged me {$18.00} when I tried calling for days on end to cancel the trial and I have been unable to log in because the system is asking me security questions that Ive never even selected. The only email I have says to finish signing up for an account. I want my money back immediately
Product: Credit card

The AAFES MilitaryStar card its supposed to assist service members, but they are predatory lending one example and my main concern is I have had a return check fee assessed to my account but also with that return check fee they restricted me to only making payments by mail or going into a store and the closest store for me to make a payment is over 2 1/2 hours away and a check will not get there within the timeframe. Im supposed to make my payment and they told me that I have to make six consecutive online payments in order to get my ACH payment ability back, but in their terms and conditions it states nothing about having to make six payments or even getting your ACH payment revoked. Ive called several people and theyre not able to find it and they just get off the phone with me right away and tell me to look it up in the terms and conditions, and they cant provide any information.
Product: Credit reporting or other personal consumer reports

Based on the provided account information from the credit report for XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), here are the inconsistencies and incomplete information among the three major credit bureaus ( TransUnion, XXXX, and XXXX ) : Account Number : TransUnion and XXXX report the account number as " XXXX. '' XXXX does not provide an account number for this account. 
Account Type : TransUnion reports it as an " Open account. '' XXXX reports it as an " INSTALLMENT '' account. 
XXXX does not provide an account type for this account. 
Account Type - Detail : TransUnion reports " Open account. " XXXX reports " Debt Buyer. '' XXXX does not provide an account type detail for this account. 
Bureau Code : TransUnion and XXXX report " Individual account '' as the bureau code. 
XXXX does not provide a bureau code for this account. 
Account Status : XXXX reports " XXXX '' as the account status. 
TransUnion and XXXX do not provide an account status for this account. 
Monthly Payment : None of the bureaus report a monthly payment for this account. 
Date Opened : TransUnion and XXXX report a date opened of " XX/XX/XXXX. '' XXXX does not provide a date opened for this account. 
Balance : TransUnion and XXXX report a balance of " {$2000.00}. " XXXX does not provide a balance for this account. 
No. of Months ( terms ) : XXXX reports " 1 Month '' as the term for this account. 
TransUnion and XXXX do not provide a term for this account. 
High Credit : TransUnion and XXXX report a high credit of " {$2600.00}. " XXXX does not provide a high credit for this account. 
Credit Limit : None of the bureaus report a credit limit for this account. 
Past Due : None of the bureaus report past due information for this account. 
Payment Status : XXXX reports " Seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department '' as the payment status. 
TransUnion and XXXX do not provide a payment status for this account. 
Last Reported : TransUnion and XXXX report a " Last Reported '' date of " XX/XX/XXXX. '' XXXX does not provide a " Last Reported '' date for this account. 
Comments : There are comments indicating a dispute, and the consumer disagrees with the information. This information is consistent among the three bureaus. 
Date Last Active : TransUnion and XXXX report a " Date Last Active '' of " XX/XX/XXXX. '' XXXX does not provide a " Date Last Active '' for this account. 
Date of Last Payment : None of the bureaus report a date of the last payment for this account. 
Two-Year Payment History : XXXX reports " CO '' ( charge-off ) for all months in the two-year payment history. 
TransUnion and XXXX do not provide a payment history for this account.
Product: Credit reporting or other personal consumer reports

My credit with Experian is bad, it is not updating. I have called on other occasions trying to get them to solve the problem and they don't fix it. Right now my credit is not updated and I get a message on the screen saying that the creditors have different information than mine and that if I don't fix it I can't see my credit. On two occasions I sent my ID photo so they could solve the problem and they still haven't fixed it. BY LAW CREDIT BUREAUS HAVE TO FIX OR REMOVE INCORRECT INFORMATION. I am trying to fix the problem but I need someone to take the job seriously and solve this situation for me. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The Pentagon Federal Credit Union obtained a copy of my credit repot without my consent. 

When I called PENFED to find out what kind of assistance was being offered for federal employees your employee XXXX at XXXX XXXX told me that you were offering a furlough loan with 0 % APR and no credit check that is why I requested the Furlough Loan on the below email. 

I never authorized PENFED to obtain a copy of my credit. The only reason I requested the loan was based on the information that XXXX provided. Otherwise I would have used XXXX or XXXX XXXX XXXX XXXX XXXX. I told XXXX that my direct deposit was going to XXXX not penfed and she told me that I would need to provide a copy of my XXXX. 

Also XXXX told me that my wife would qualify for the loan even though she was not a member yet. 

My wife submitted an application for membership and opened an account because of this.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX , XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX , XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX , XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Product: Money transfers

I have a credit balance on my PayPal Credit account. I have asked twice that this credit be applied to future purchases. Yet when I charge a purchase against this account, I continue to be invoiced monthly for these purchases. When I pointed out on my last statement that PayPal actually owed me money, I was told that the credit reflected a pending disputed charge. However, there is no dispute for the amount of {$71.00} on my account. The only disputed charge is for {$5.00}. All other disputed charges since 2010 have been closed.
Product: Credit card or prepaid card

Synchrony Credit closed my credit card without notice, without reason ( I paid every payment on time for years ). This unwarranted action reduced my credit score, and seems patently unfair and ridiculous.