23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

My main complaint is about somebody had ordered a new card on my account I didn't know that so when I got paid I checked my SSI account and it said zero and the next month it said zero as well it took me a little while because my phone broke and I didn't ever get paid to get a new phone to get a hold of the Social Security to finally figured out that I was getting paid it was just going to a different card a card that somebody had ordered on my account through Comerica bank which is issued from SSI XXXX XXXX so I got a hold of XXXX XXXX figured out that I did have an active card on my account and I had been getting paid those XXXXwo months so I canceled that card got a new card sent to me and I filed a claim they never investigated it or anything they just denied it right away and they wouldn't talk to me about it at all and I never got that money back it was {$940.00} one month {$940.00} the next month plus I had to pay for 20 bucks for the new car to come when I figured out what was going on then after that once I got my new card I couldn't use it at ATM I couldn't use it to purchase anything at a store I couldn't get a hold of anybody about it and when I finally did they shut my card off for 2 weeks why I verified my identity even though I've had the account for like 5 years and they know who I am then once I verified my identity it took two weeks to do that I still couldn't use the card anywhere they said that XXXX had some kind of fraud detection alert on it they wouldn't tell me how long it would last it wouldn't tell me how to fix it they said there's no way to fix it they didn't know what to tell me and there's nothing I could do about it and I was never able to use my card after that I ordered a brand new card and that one doesn't work either and there's no nothing to do so my car doesn't work there's nobody that can help me nothing they can do about it and they went even investigate my claim or honor it at all and and I don't know what to do. The weirdest part about it is that they said I could use my card to do any online purchase over the internet it wasn't blocked for fraud for that which anybody could use my card online without verifying anything but it was blocked for fraud for an ATM purchase or an in-store purchase when I would have to have my ATM debit card pin number that's what it was blocked from so it doesn't make any sense to me why it would be blocked for fraud for in purchase or ATM purchase but but I could use it online and that's not for Friday block but more than anything I really want the money that I didn't get for 2 months I'm on SSI obviously I don't have barely any money I barely making it I've had this account for years I've never asked them to I've never done a claim I've never asked him for any money back all the years I've had the account this is the first time so it's not like I am trying to do something funny you know what I mean
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I purchased a XXXX XXXX XXXX through XXXX in XXXX car was repossessed in XXXX and the account closed XX/XX/XXXX. It is showing on my credit report that I am still paying on this as an open auto loan. I contacted XXXX and they said its nothing on their end and to contact you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two adverse accounts on my XXXX  Credit Report from Affirm inc that do not belong to me and is a result of fraud. I wrote a letter to Affirm inc in XXXX of 2021 and as of the date of this writing I have not received a response. This writer has tried disputing with both creditor and credit bureau and it keeps coming back as verified. I filed a police report and and ID theft affidavit with the FTC all to no avail
Product: Student loan

I was mislead to believe my private loan through Navient was able to be discharged due to my school 's misconduct as a Predatory School. I have already been in 3 court cases and had Federal loans forgiven due to my school 's misconduct. Navient is now taking applications for this and emailed me XX/XX/XXXX that my loan did not qualify because it was a consolidated loan. It shows on my account that it was bought by Navient as a private loan and it was transferred to being a private consolidation under them, but it is still a private loan on it's own, under them since XXXX. I feel like this was a deception on their part and they have found another loophole to not forgive this horrible loan they gave out. They have accrued double the amount of the loan in interest in the past XXXX years of repayment. And I didn't qualify for the first forgiveness given out because I would have had to not pay on my loan for XXXX months, which is outrageous. I did everything I could to keep my loan paid, even when I had no money for anything else. This is the worst scam in history.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED It is XXXX  to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention to and resolution of this issue are highly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates that inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration with the multiple unsuccessful attempts I have made to rectify the fraudulent items on my credit report. These fraudulent items are severely damaging my credit profile, negatively impacting my financial well-being, and causing significant distress. 

There are accounts listed on my credit report that I believe are the result of identity theft or fraudulent activities. These accounts do not belong to me, and their presence is unjustly damaging my credit score. 
I have made several attempts to dispute these fraudulent items by following the procedures outlined in the Fair Credit Reporting Act ( FCRA ). In each dispute, I have provided detailed explanations, supporting documentation, and evidence to substantiate my claims of fraud. 

Unfortunately, my efforts have not yielded the desired results, and I continue to face the following issues : My previous dispute letters and supporting documents have not received a timely response, leaving me in the dark about the status of my disputes. 

The delay in addressing these fraudulent items has caused significant financial hardships and has adversely affected my ability to access credit and financial opportunities.

The presence of these fraudulent items continues to harm my credit score, making it challenging to secure fair lending terms and credit opportunities. 

I understand the critical importance of accurate credit reporting for both consumers and creditors, and I am fully committed to working with your credit bureau to ensure the correctness of my credit profile. However, the lack of responsiveness and efficiency in addressing my concerns has left me feeling frustrated and powerless. 

I kindly request that you conduct a thorough investigation into the fraudulent items I have reported and take swift action to remove them. Additionally, please provide me with timely updates on the status of my disputes, as mandated by the FCRA. 

Enclosed with this letter are copies of my previous dispute letters, supporting documentation, and certified mail receipts, providing evidence of my XXXX attempts to rectify these fraudulent items. I am asking for your help to remove the fraud items in my credit report : XXXX XXXX XXXX XXXX, MD XXXX XXXX NEW XXXX XXXX XXXX XXXX XXXX MD XXXX Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit card

I used Elan Financial 's XXXX XXXX to inquire about a credit line increase. Their poorly laid out website was missing vital information to allow me to make an informed decision which resulted in an unauthorized hard credit inquiry. There was not adequate disclosure that a hard inquiry would occur if I used their website. I did not authorize a hard inquiry. The website was confusing and did not state ANY inquiry would be made. They made a decision ( which I 'm fine with - I take offense to the fact they did a hard inquiry without my permission. I would not have proceeded if I saw that a hard inquiry was going to occur ). After their decision, they sent me a denial letter and XXXX of the reasons for their decision was that they did not have my last two year tax returns to verify income - but there was nowhere to submit them online or an effort by Elan to request the tax returns. Clearly, they have no controls in place over their website information intake process. I am confused why they would of done a credit inquiry if they did not have the information necessary to make a decision ( the 2 years of tax returns ). 

I have never missed a payment on any of my credit cards ever and had XXXX +year history with XXXX XXXX the company that ELAN financial purchased my account from. I also have XXXX XXXX and XXXX branded credit cards and they clearly state when a hard or soft inquiry will be conducted explicitly on their website. 

I called the number on the letter, and said I was making an oral complaint and wanted the inquiry removed. The woman I spoke to said they could n't take oral complaints and could not help me. I pressed her and she put me to an escalated representative ( XXXX XXXX XXXX ). XXXX could do nothing for me either. I asked him where it clearly said in the letter sent by Elan that it requested the tax returns. His response that one could assume from the letter because they put their mailing information on the letter. 

Correspondence from financial institutions to their customers should be clear and concise. There is no room for assumptions. I told XXXX I would be escalating to the CFPB and he did not care. I did ask him if he knew who the CFPB was - could n't tell if it was training issue or what. He suggested I write a complaint the office of the president in ND. 

I take my credit very seriously. Elan Financial is not on par with its competitors when it comes to technology which resulted in an unauthorized hard credit inquiry. I wonder how many other people have had this happen. I want the hard inquiry removed from my account for all credit bureau agencies. 

I would also suggest clearer disclosures on their website and better training off their associates with respect to credit reporting.
Product: Credit reporting or other personal consumer reports

I have no business with XXXX XXXX never had an account with them
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am a victim of Identity Theft. I have two XXXX XXXX cards on my credit report for {$420.00} and {$1200.00} totaling out to {$1600.00}. Also two inquiries that aren't mine XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX Please remove these inaccurate accounts and inquiries as soon as possible. Attached is my FTC report, ID, and social.
Product: Consumer Loan

on XXXX I was contacted at XXXX on XXXX I was called not once, not twice not even three times but 5 times after 2 messages were left on the same day not even 2 minutes apart both a minute long. I have been in constant contact with this company to advise them I was part of a settlement program and the lady very rudely told me she had no idea what I was talking about. I have been with this company since XXXX and have been in constant contact. My husband will be leaving for XXXX soon and my mother will be going through her XXXX after battling XXXX. this has been a rough 8 months and I have kept them informed every step of the way so for them to harass and call me and not have anything notated of what is going on is absurd and frustrating disheartening. We turned the car in on XXXX/XXXX/XXXX at XXXX I informed them of that. we do not have another car and we were told the payoff was sent on XXXX/XXXX/XXXX. I can not control the situation but it does not give them the right to harass me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX grouped my loans. This negatively impacted my credit. My credit score dropped overnight by XXXX points. I am unsure if this is XXXX or Experian 's error in reporting.
Product: Money transfer, virtual currency, or money service

In Mid XXXX of this year I opened an account with Coinbase. Being new to their site I went through the steps of practicing a withdrawal from my vault to my wallet. The withdrawal was cancelled on XX/XX/22 and I have the emails showing the cancellation. Now Im trying to send to my wallet and it states a withdrawal is in progress but thats not the case. I have reached out to Coinbase through multiple occasions and followed their steps. After replying that did not fix the issue, they send me the same generic instructions which has yet to resolve the issue. Im not able to access my money in my account.
Product: Payday loan, title loan, personal loan, or advance loan

I XXXX buying a ticket for my son XXXX, so i go to affirm page to buy the XXXX workd ticket. When i was in the check out affirm create a virtual credit card for the amount of XXXX $ where i have choose the plan of 4 months without interest to pay it. The virtual credit card and the loan works that when it will be charged the loan started and you have XXXX h to use it. So i trued, the merchant has not accepted a card that is not mine is made by affirm, so maybe they make a mistake so i have not used it and is expired, so in theory the loan must to br deleted. No the started it, the charged the first payment and now after spoke with them they say to me that He said, " The loan would be canceled within XXXX hours, but in this case, it will be settled after 21 days, by XX/XX/year>, if not sooner. '' And also Please be advised that we are unable to cancel the loan. However, you dont need to worry. As long as no charges are made towards the loan, you are not responsible for it. Typically, the loan would be canceled within XXXX hours, but in this case, it will be settled after 21 days, by XX/XX/year>, if not sooner. so typically is XXXX h but i am the lucky one that for a affirm problem i am charged for everything? Not fair. They already charged XXXX $ even the loan is not suppose to start
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds, or authorization. I was charged fees and penalties from multiple collectors in in affect from lagged posting of charges and credits. Customer service picks and chooses when to allow the release of funds to avoid overdraft. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

They continually harass me at work and home and have never provided me proof of debt or where I signed up for it. They have not provided account numbers or anything else required by law
Product: Credit reporting, credit repair services, or other personal consumer reports

Speedy Cash has sold an account to XXXX XXXX XXXX. Speedy Cash has been indemnified and in addition to this XXXX, XXXX XXXX continue to claim to be representng them. The information is inaccurately being reported on XXXX. XXXX and XXXX have removed this inaccurately reported information. Speedy Cash needs to be fined along with XXXX regarding this matter. Several complaints have been filed regarding the matter and it will continue until these shady people stop putting wrong information on my credit report. This item was removed from my credit and they keep reporting it again. Now XXXX is not reporting it on my credit report for me to see it and dispute it with them directly, but when a lender pulls the XXXX XXXX XXXX XXXX is coming up as derogatory reporting. They claim they are reporting for Speedy Cash which was removed 2 years ago from my credit report and XXXX XXXX XXXX is reporting it again. This is a clear violation of the Fair Debt and Collection Act to rereport information under a different name as if its a new account after it was already removed
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$34000.00} XXXX XXXXXXXX Balance Owed : {$1700.00}
Product: Credit reporting 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. 
Account name : XXXX XXXX XXXX, Account name : XXXX XXXX Account name : XXXX Account name : XXXX XXXX Account name : XXXX XXXX Account name XXXX XXXX XXXX XXXX  Account name : XXXX XXXX Account name : XXXX Account name : XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX a credit inquiry for XXXX  XXXX was placed within my XXXX, XXXX, and Tranunion credit report. I contact the three bureaus to get them removed however they refused and told me I had to contact the company. So that's what I did. 

I called XXXX XXXX multiple times to get these resolved. After a few weeks they finally sent me a letter saying they advised the three bureaus to remove the inquiry from my report. However, the inquiry remained. I then contacted all three bureaus and sent them a copy of the letter ( attached ) sent to me from XXXX XXXX. The inquiry was removed from XXXX and Transunion, but XXXX still won't budge. 

Now, the XXXX XXXX inquiry was reinserted to all three reports dated XX/XX/XXXX. I now have TWO unauthorized inquiries ( XX/XX/XXXX & XX/XX/XXXX ) on my XXXX report, and one unauthorized inquiry on XXXX and Transunion ( XX/XX/XXXX ) - all from XXXX XXXX. 

I have NEVER held nor applied for an account with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account XXXX XXXX XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is continually reporting a closed account from XXXX XXXX as chargeoff monthly on my report this has drastically affected my score and is illegal. If an account is closed how can it be reported charge off monthly Ive attached a copy of the payment history reflecting this as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give my consent for them to report late payments to the credit bureaus. My privacy was also violated by them reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives who dumped stock immediately prior to the data breach announcement.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are wrong information in my report : "  XXXX   XXXX   XXXX  Account #  XXXX  '' "   XXXX   XXXX   XXXX   XXXX   Account #  XXXX  ''