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

Registered for a prepaid card online at XXXX approx 3 weeks ago, received direct deposit information from XXXX for new account including routing and account number then submitted this information to the IRS online to receive {$1200.00} stimulus payment as direct deposit to my XXXX account. Received prepaid card approx 10 days later, activated successfully online by calling number on the card. 
IRS app " Get my payment '' informed me the payment would be deposited on XX/XX/2020. On that day I called the customer support number on the back of my XXXX Visa Card entered 16 digit card number only to receive message " no valid account '' then was transferred to XXXX agent who informed me the deposit of {$1200.00} was made but she needed to transfer me to another agent for ID verification. I spoke with XXXX who advised she would be asking several questions to verify who I was.She had me verify previous address then asked if I was expecting deposit from government I said ; " Yes '' then suddenly she had technical issues and the system would not allow her to ask any further questions and I would have to mail photo copy of Drivers License and Utility Bill with current address on it. I asked if it could be emailed or faxed she provide that information which I submitted by email to XXXX 
The following morning I called to verify funds and same message. Spoke with Supervisor by phone who verified email with proof of ID was received. She then informed me that account was closed as I broke the terms and conditions and said go to website and look under Closure section. Would not provide any more details and said they would mail me a check within 4 to 10 weeks. I did nothing wrong and provided all documentation they asked for, this is my stimulus payment and I can't afford to wait 10 weeks to get the government intended help I have rent and bills I need to pay! Please advise, thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 I SENT THE THREE CREDIT BUREAUS LETTERS TO EXPLAIN THEM THAT I I WAS A VICTIM OF IDENTITY THEFT AND I SENT THEM A LETTER WITH A FTC AFFADAVIT. THEY HAVE YET TO THIS DAY TO RESPOND.
Product: Debt collection

I am being threatened to be taken legal action outside office, but wont give information, I got a call from " XXXX XXXX '' stating I needed to call them because after XX/XX/XXXX the matters will be taken care of outside of the office etc, I called the number provided in the recording which is XXXX and someone answered so I asked where I was calling and they stated direct recovery service, so they said How can I help you, when I stated I was returning a phone call but wanted to know where and who was calling THEY SAID " i JUST TOLD YOU '' and rudely hung up the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several phone calls to Equifax credit bureau since XX/XX/XXXX to remove three items off my credit report. The items are from XX/XX/XXXX, each item total {$120.00}. Each item is from XXXX XXXX XXXX via XXXX XXXX and XXXX deleted these items off within a matter of seven business days. I call and verify name/dob/ss # /mailing address-I am told the lender states these three items are accurate. I believe this to be false, or else the other two credit bureaus would have never deleted these items. 
However, I have NEVER received nothing in writing from Equifax stating the results of the dispute. I no longer have reference numbers-when i called back to follow up, it was explained to me that the numbers i provided did not match what was on file. I need help please.
Product: Credit reporting or other personal consumer reports

i recently reviewed my credit report and noticed an account that was not reporting accurately, i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments i have attached a copy of my report to this complaint on the following dates ( XX/XX/23 and XX/XX/23 ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action. 
Account Name : XXXX XXXX  Account XXXX : XXXX
Product: Credit card or prepaid card

I was having financial troubles as part of the aftermath of Hurricane Irma back in XXXX. During that time Ive dealt with making a plan to try and catch up. I explained various times what was happening to me and they worked with me. Moving forward to XXXX, I was laid off Of work due to Covid-19 in XX/XX/XXXX. I informed all the companies I had bills with of the situation. I was then rehired in mid XXXX. Fast forward to today, XX/XX/XXXX, Discover credit card without notice decided to close my account with them. I had spoken to an agent on XX/XX/XXXX to strike a deal and plan to get current by tomorrow. XX/XX/XXXX XXXX. It appears my request was ignored or denied without notice. Whatever you do, dont apply to Discover Card.
Product: Credit reporting or other personal consumer reports

You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX i didnt open no credit card no bank account no credit in stores my ex girl friend stoled my id my ssn and all my info besides i calledto evvery biller and they still had the accounts open. XXXX
Product: Debt collection

I made a complain to the XXXX, USI Solutions INC continue to call and harass me
Product: Payday loan, title loan, or personal loan

In XX/XX/2018 I called to XXXX branch of Santander bank trying set up automatic payment withdrawal from my company 's business checking to pay for using my personal line of credit. Branch manager assured me that everything was set up. Later on in XXXX I received a call from Santader bank saying that payments for my personal line of credit are late for more than 30 days. I headed to XXXX branch of Santander bank to fix this problem. I made payments for XXXX and XXXX as well as for XXXX and XXXX. And again asked to set up automatic withdrawal from my business checking account .Due to inexperienced branch staff such a situation repeated again in XXXX and XXXX. 
I'm a XXXX  XXXX and I spend most of my time on road. That's why it's difficult for me to keep an eye on my mail and keep up with all notices that I'm getting. I relied on professionalism of branch team but they let me down. Branch manager tried to help me and called to head office to resolve this situation but Santander bank refused to delete these derogative marks from my credit history. I'm attaching a letter from XXXX branch of Santander bank to prove my word.
Product: Credit card or prepaid card

I have 2 Credit card Accounts with Citi Card and I have never missed a payment with them and the majority of the time I make more than the minimum payment. I also have several other credit cards as well with fairly high limits. I recently have made some rather large purchases with the intent of paying them off rather quickly in the next few months. I get an email from CitiCards for both of my Citi cards that they are decreasing my credit limit due to me making some large purchases on my other credit cards and my fico score decreasing. I called Citi Card and explained to them that I had made some bigger purchases than normal and that they would be paid off within the next 90 days and asked them to reinstate my previous credit limit and they refused. I even offered to provide proof of the resources that I have to pay off my total credit card debt. Since they based their decision based upon my XXXX report they could clearly see that I have never made a late payment on any of my accounts and that I have several accounts that have " XXXX '' balance. They still refused to reinstate my previous limit. This is going to have a very negative affect on my fico score, which is the very thing they are saying is their concern, it dropped to XXXX. With there decrease it will drop more. This is not right for a customer that has been operating good faith, never had any late payments nor derogatory remarks on their credit report to just indiscriminately make these changes. This will have a very negative effect on my credit score and interest rates for any future loans or credit should I decide to apply for another car loan or any type of retail purchase. Is it age discrimination due to the fact I am XXXX and they are afraid I am going to not live long enough according to their actuary charts. The only thing they would say was that their credit review shows that I have made some large purchases recently and based on their figures I am a bigger risk. But wouldn't expand on how they based this decision. I have the ability to pay off all of my credit card debt and can and will provide proof if needed.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices that violates the Consumer Financial Protection Act ( XXXX ). Specifically Cash App failed to take timely and effectively measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has called significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion Credit reporting agency on Thursday, XX/XX/XXXX. After being on hold for at least 15 minutes, I spoke with one of the Reps. about several Hard inquiries on my credit report that I do not recognize and appear to be UNAUTHORIZED. The Rep from Transunion told me that the inquiry was a " Statement of fact '' and that it could not be removed. I explained to them under the fair credit reporting act, they must verify each item I am disputing and if they cant, under the law, all inaccurate information must be removed. ANY. I was basically then told to have a nice day and the call ended. I am now filing a complaint with you to take swift action. I am requesting the following items be removed from my credit report as it is hurting my ability to maintain my true credit score and my ability to get credit that I deserve. 

XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Please make Transunion follow the law and make them remove these hard inquiries from my credit report. Thanks very much!!!
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXXXXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

Citi Mortgage is not reporting payments to credit bureaus. And I have spoken with them on several occasions in an attempt to remedy this issue
Product: Debt collection

I have reached out to the company several time I sent in a copy of my identity thief report this account is still being reported on my credit
Product: Credit reporting or other personal consumer reports

XXXX SUBJECT : Request for removal of unauthorized credit inquiries Dear XXXX representative, I am writing to formally dispute unauthorized inquiries listed on my credit report. Upon reviewing my credit report, I noticed inquiries that I did not authorize, and request their immediate removal. 
The following inquiries appear on my credit report without consent. 
- XXXX XXXX XXXX XXXX - XX/XX/XXXX actions taken on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX actions taken on XX/XX/XXXX - XXXX XXXX XXXX XXXX actions taken on XX/XX/XXXX - XXXX XXXX XXXX XXXX action taken on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX action taken on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX action taken on XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), credit inquiries should only appear on my report with my explicit authorization. Since I did not authorize these inquiries, I request that they be removed promptly. 
I have attached a copy of my credit report with the disputed inquiries highlighted, as well as a copy of my identification for verification purposes. Please investigate this matter and provide a written response confirming the removal of these unauthorized inquiries. 

If these inquiries were made due to identity theft or fraud, please advise me on the appropriate steps to take to further protect my credit. 

Thank you for your prompt attention to this matter. I appreciate your assistance in maintaining the accuracy of my credit report. Please contact me at ( XXXX ) XXXX or XXXX should you require any further information.
Product: Credit reporting or other personal consumer reports

Reporting Agency : [ XXXX ] XXXX XXXX XXXX Payment : XX/XX/year> Amount : {$17.00} XXXX, XXXX XXXX, am XXXX XXXX Executor and Beneficiary of this account, and I am disputing the accuracy and validity of this late payment reported on [ Date ]. 

I sent a Certified Notice of Demand for Validation of Debt to XXXX XXXXXXXX, requesting proof of the original contract, full payment ledger, and verification of this late payment. 

Despite my good faith efforts to resolve this matter directly with the creditor, XXXX  XXXX failed to provide the required documentation to validate this late payment, which violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. 

Actions I Took to Resolve This Matter : Sent Dispute Letters Requested Proof of Proper Performance and Full Accounting Ledger No Response or Proper Documentation Provided by Creditor
Product: Credit card

1. I have no way to contact the customer service for this account. 2. I have no way to access my statements. 3. I hav
e no way to access due dates for my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Convergent Accounts # 1 CAINE & WEINER COMPANY ( {$660.00} ) and Account # 2 XXXX XXXX XXXX XXXX ( XXXX ) has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I have disputed the mortgage amount owed from the first papers I received from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. The balance that they claimed was due when I defaulted was as of XX/XX/XXXX was {$120000.00}. I made payments over my monthly amounts due that were never credited to my mortgage. I made modification payments some of which Rushmore admits were applied to the loan in XXXX of XXXX. Yet the principal due as stated in the Judgement and affirmed as actual by their Attorney 's has never changed. I have repeatedly requested general ledger accounting of my loan payments and have received the same information ( WHICH IS ATTACHED ). The affirmations by the Attorney 's were inaccurate making them fraudulent statements. Rushmore proceeded with a Judgement based on false and inaccurate amounts and statements. They consistently send ledgers that are UNREADABLE. They have done nothing but discriminate against me through this whole process thinking I was uneducated by sending me account of payments I could not even read to be able to dispute payments. In one letter they admit payments were received after XX/XX/XXXX and in another, they deny they were received and want copies. If payments were received in XXXX and XXXX how did the original balance from XX/XX/XXXX never change?? The reason they sent the unreadable ledgers is because it proves payments were recorded yet never applied if any saw that this occurred the Judgement amount would be inaccurate made on false claims and statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer portfolio services put 2 inquires on my XXXX  report. The same date on both. I called XXXX they told me to call them gave me a phone number but the number doesn't work. I don't mind 1 inquiry on my credit but not 2 of the same thing. I need help in getting 1 off XXXX wouldn't know help at all.
Product: Mortgage

On or about XX/XX/2021 I received a letter from Wells Fargo stating that the Sheriff Sale was put on hold and that theyre working to find a remedy concerning to get things back on track. However Wells Fargo lied and is threatening to illegal sale my home with an Conspired Act with my Step Father XXXX XXXX to whom has stated that he wants nothing to do with this residence. He abandoned my late Mother XXXX XXXX who was also on the loan / deed for other women and he didnt even attend her funeral. He had also forged a {$18000.00} Refinance Check in my name and had an extra marital affair with a Wells Fargo Employee. And for the one hundredth time Im requesting that Wells Fargo stop sending their lying letters in his name to my residence or any other third party. And I have also asked them if they can use my late Mothers Equity towards this Mortgage Issue. Im reaching out to you all for help because Im being harassed and is experiencing XXXX profiling. Yes, I wants to keep my home and I had submitted a Mortgage Assistance Application to them. With reliable documents. However my former corrupt Attorney XXXX XXXX out of spite vindictively submitted another Mortgage Assistance Application despite me telling him not to do it because hes a proven liar by stating from the beginning he has no accounts with Wells Fargo on to find out he does. Now Wells Fargo is retaliating against me for firing their customer