23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

Bought {$200.00} Amex gift card. XX/XX/2024. 

He tired multiple online stores and none of them worked. 

I called they said the issue was fixed. It wasnt called again. Same issue. Then manager hung up on me next time.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/20 I sent Transunion a 609 letter to verify some accounts and hard inquiries on my credit report. 

After 30 days and no reply I sent a demand or comply letter to remove the items. on XX/XX/20 Transunion is still reporting these accounts on my credit report. even after 30 days and no verification or reply.
Product: Mortgage

I paid US Bank for a home appraisal and they are now saying they are going to refund the money I paid to get my home appraised. I am wanting to get rid of my PMI insurance due to having over 20 % equity in the home already. they want me to pay this PMI insurance so they are not being helpful. I purchased my house for $ XXXX and it is worth over $ XXXX. So they should remove my PMI insurance. I am having a terrible time working with US bank on this matter. They are making it next to impossible.
Product: Mortgage

My wife has been hospitalized in XXXX from XXXX XXXX until XXXX XXXX. My wife is XXXX ill and will never be able to work again. My mortgage is with Select Port Folio. 
I have submitted several modification request with financial for the last year. I do not want to lose my home. Please help me to keep my home and lower my mortgage payments.
Product: Debt collection

I called XXXX XXXX to try and make a payment, partial payment, and tried to see if a payment plan can be worked out. At the time I was working XXXX hours a week and had been out of work due to an XXXX, XXXX XXXX sent my debt to collections when I was trying to request a payment plan option. XXXX XXXX Stated it was too late, my account was closed and to pay through collections.
Product: Credit reporting or other personal consumer reports

I've sent mail correspondence to XXXX  XXXX via mail and I've called them many times & spoke to supervisor but they said it's the law for them to report to consumer reports. 

The law states in 15 USC 6802d ( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. 

XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX CT XXXX ; XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$820.00} ; ( Original creditor ) XXXX Date opened : XX/XX/XXXX Balance : {$28.00} ; ( Original creditor ) XXXX Date opened : XX/XX/XXXX Balance : {$40.00} ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to Equifax asking for the information to be corrected on my report. After several attempts and Equifax claiming the item has been verified as reporting correctly, I sent certified letters asking the item be removed for incorrect information being reported that is damaging to my financial reputation. The car was picked up by the dealer on  XXXX / XXXX /  XXXX   and account in question has been closed since  XXXX / XXXX /  XXXX  . The creditor continues to report an open account that is not being paid. The dealer took the collateral in exchange to clear the debt. This account is settled in full.
Product: Checking or savings account

I sold my furniture and other household goods and took payment via cash app. Then I transferred my balance from cash app to XXXX. XXXX randomly put a freeze on my account with {$9000.00} on it and is not giving me a timeline on when they will unfreeze or look into it. They said there is no max timeline. I have read horror stories of XXXX taking over 5 months and still hasnt responded. I am not waiting to take my own money out. I have bills to pay. Customer service says they can not transfer me to anyone as they are the last point of contact. There is no supervisor either according to them. This bank feels like a scam. I have never experienced this in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in my dispute letter to Equifax dated XX/XX/2020 in regards to a inaccurate item reporting on my credit report. Its been over 30 days and the investigation and the information requested has not been completed. Due to the investigation not been completed in 30 days the item being disputed must be deleted immediately. Also I provided a credit report showing the item being reported inaccurately so Equifax should not be able to say it's verified. This problem has caused me undue stress and financial hardship!!!!
Product: Payday loan, title loan, or personal loan

I've had an Upgrade XXXX XXXX XXXX  for almost a year now. This is the main issue I've ever run into. 

On XX/XX/XXXX, a payment was made in the amount of {$250.00} to XXXX # XXXX for the purchase of furniture. On XX/XX/XXXX, a refund was processed in the amount of {$210.00} from the same merchant. 

The refund did not post to my account as it should have and when I contacted Upgrade support on XX/XX/XXXX and was advised to call. When I called and spoke to a rep, they originally advised that the amount was credited on XX/XX/XXXX however, no credit was reflected on my statements, in my balance, nor my interest calculations. 

When I pushed back, the rep placed me on hold and began doing research when I requested a supervisor due to this error. After approximately XXXX minutes or so on hold, it was confirmed that the credit WAS NOT posted as originally claimed and that there was a system glitch that caused this. 

Upon probing, it was advised that this does happen from time to time but it's uncommon. Due to this, they needed to create a ticket escalation to have a " backend '' team add the credit. THIS NEVER HAPPENED. 

I followed up via call and via email multiple times to only be told, they have no record of this credit nor can they further assist. 

I'm requesting that the credit in the amount of {$210.00} is refunded and that ALL interest associated with this charge be refunded as well. I've strategically paid full balances on this card with the exception of this amount while I actively dispute this problem.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF AN IDENTITY THEFT, AND I HAVE BEEN TRYING TO GET THIS REMOVED FROM MY CREDIT REPORT FOR THE PAST 8 MONTHS. THE FRAUDULENT ACCOUNT IS FROM XXXX XXXX XXXX, BUT WHEN I CALL THIS COMPAN THE CANT FIND ME IN THEIR SYSTEM WITH ANY OF MY INFORMATION. THEY GAVE ME A NUMBER FOR XXXX XXXX XXXXXXXX AND THEY CANT FIND ME EITHER. THIS IS REALLY FRUSTRATING I HAVE ALSO CONTACTED THE BUREAUS AND THEY ARE TELLING ME TO CONTACT XXXX DIRECTLY. APPARENTLY THIS HOME IMPROVEMENT LOAN WAS OBTAINED BACK IN XXXX OF XXXX, THEY DIDNT REPORT ANYTHING UNTIL XXXX OF XXXX, THEN THIS LOAN IS REPORTING LATE FROM XX/XX/XXXX UNTIL XX/XX/XXXX AS NEGATIVE AND CLOSED. PLEASE REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT RPEORT. THANK YOU
Product: Credit reporting or other personal consumer reports

1666a states A Creditor May Not Treat a payment on a Credit Card account, under an open end Consumer Credit Plan as late for any purpose, 1681a ( 2 ) a ( i ) EXCLUSIONS ; Report containing info solely as to transactions and experiences between the Consumer and the Person making the Report, Therefore my late payments, utilization and transactions are not included XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Accounts are illegally furnishing exclusive 3rd party transactions and experiences to the Consumer Reporting Agencies
Product: Credit reporting or other personal consumer reports

It has come to my attention that you have reported inaccurate information concerning my Credit Report to the credit reporting agencies. Under 15 U.S. Code 1681c, you are legally obligated to ensure that all information reported is accurate, up-to-date, and not misleading in any way. Your failure to comply with these legal requirements is unacceptable and has caused significant harm to my creditworthiness and financial standing. 
The inaccuracies on my credit report include but are not limited to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inaccuracies constitute a blatant violation of my rights under the FCRA . Your actions are not only unlawful but also demonstrate a reckless disregard for my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Experian for Failing to Remove Unauthorized Credit Inquiries To Whom It May Concern, I am filing a formal complaint against Experian for failing to remove unauthorized credit inquiries from my credit report, despite my formal dispute. 

Background of the Issue : I recently reviewed my credit report and discovered multiple unauthorized credit inquiries that I do not recognize or approve. 
In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I formally disputed these inquiries with Experian, requesting their removal since I did not authorize them. 
After investigating my dispute, Experian failed to take the necessary steps to remove these inquiries despite my clear request. 
I then contacted Experian by phone, but they refused to address my concerns or provide any valid explanation for keeping these inquiries on my report. 
Violation of My Consumer Rights : Experians failure to remove these unauthorized inquiries violates my rights under the Fair Credit Reporting Act ( FCRA ) : Only authorized hard inquiries should appear on my credit report. 
If an inquiry is unauthorized or disputed, it must be removed unless verified as legitimate. 
Experian has a legal duty to ensure the accuracy of my credit report and to remove unauthorized information when notified. 
Requested Resolution : Immediate removal of all unauthorized credit inquiries from my credit report. 
A full investigation into why Experian failed to properly remove these inquiries after my dispute. 
A written response from Experian confirming the removal of these inquiries. 
CFPB oversight to ensure Experian complies with FCRA regulations.
Product: Credit reporting or other personal consumer reports

Date Opened : XX/XX/2023 Account number XXXX Balance : {$270.00} High Credit : {$270.00} XXXX XXXX : {$200.00} Past Due : - Payment Status : Past due 30 days Not more than XXXX payments past due Last Reported : XX/XX/2023 Date Last Active : XX/XX/2023 There is no such thing as a late payment because the account was paid in full the moment my credit card ( 15 USC 1602L ) was accepted. 

XXXX XXXX is reporting a late payment onto my credit report. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I never gave XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of USC 1681B. XXXX XXXX has caused stress and XXXX due to the abusive and unfair practices.
Product: Credit reporting

I have been trying to clean my credit report up. I have XXXX things on my report that are over 7 yrs old and XXXX deleted the main XXXX. On my report XXXX XXXX has put my child support on Trans. I disputed it and it should be removed because its over XXXX yrs old. But they allowed XXXX to change the date and make it a XX/XX/XXXX date open which makes no sense. I also found out by National collections that in XXXX they notified all XXXX major credit agencies that fines and arrest warrants were to be taken off. They are still on there and there 's more that that. XXXX is now adding inquiries on my report from XXXX. An investigation by your office should be done by ur office. Also, on my reports is a school loan from XX/XX/XXXX and that is over 7 yrs old and should be removed as well. When I asked the lady at Trans if they verified information put on the report her answer was " we have no way of knowing if the information is valid or not. '' I have XXXX items knocked off and XXXX more ready to be knocked of and XXXX, XX/XX/XXXX reports that should be. Now they are adding inquiries that were not on there before? There are also many inquiries not initiated approved by me and they refuse to take them off. Please investigate my credit with all XXXX major credit agencies.
Product: Credit reporting or other personal consumer reports

GIVE MY NAME AND SOCIAL SECURITY NUMBER NO INFORMATION PULLED UP
Product: Debt collection

Account information was recently posted to credit companies. On year XX/XX/XXXX I send the check for the amount in question of {$220.00} check number XXXX to the dentist at XXXX XXXX XXXX in XXXX VA. They wait XXXX months to cash the check so they can charge more as a late fee. 


Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$320.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$320.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$310.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, 15 U.S.C 1681 section 602A states that I have a right to privacy.

15 U.S.C 1681 Section 604A Section 2 states that a consumer reporting agency can not furnish an account without my written instruction. 

I did not give anyone written instruction to report the account listed below to my credit report. 

XXXX  XXXX - XXXX
Product: Credit reporting or other personal consumer reports

Since XXXX of 2023, I've notice incorrect reporting on my credit report. I reached out to XXXX XXXX, Experian for proof but to no avail. I have called both companies to inform them of the security breach of both but, they came up with an excuse. Both companies have a breach. The breach is local. The person has hacked into their server to change and abstract money from their service. She is sending out phony letters and both companies arent taken this seriousely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

A second foreclosure was initiated XX/XX/2019 by XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF XXXX , XXXX, XXXX XXXX XXXX XXXX, MORTGAGE PASS THROUGH CERTIFICATES, XXXX XXXX for {$290000.00} plus interest and other expenses. 
This party is not the lender who initiated my loan. I never made payments to it. I have tried to get information showing that it purchased the note and mortgage for money or showing how it obtained a right to foreclose and I have received no response. 
I am aware that the loan was securitized, but the information I have in that regard does not show this party as the owner in the market.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I reached out to TransUnion, XXXX, and XXXX and talked to XXXX from TransUnion, XXXX from XXXX, and XXXX from XXXX. They all told me to submit this report with a copy of my ID, Social, and Bank Statement proving my identity and my current address. The account that they are reporting is showing inaccuracies and inconsistencies and they are obviously reporting this illegally.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX- THEY NEVER PROVIDED WITH DOCUMENTATION FOR THIS Unverified Account XXXX XXXX  XXXX/XXXX- THEY NEVER PROVIDED WITH DOCUMENTATION FOR THIS Unverified Account DUVERA BILLING- THEY NEVER PROVIDED WITH DOCUMENTATION FOR THIS Unverified Account XXXX  XXXX- THEY NEVER PROVIDED WITH DOCUMENTATION FOR THIS Account BEING LATE
Product: Credit reporting or other personal consumer reports

Someone has access to my Social Security number and has opened up, fraudulent credit accounts, loans, insurance, policies, and car loan. Also, theres incorrect addresses on my credit file, places that Ive never been in my life. Ive submitted disputes of about this situation before and the credit bureaus claimed that they verified this information. Ive requested information on how they verify this information, and they could not provide that to me. I need this stuff removed off my credit report as soon as possible. Heres a list of fraudulent accounts. 

XXXX XXXX XXXXXXXX {$15000.00XXXX XXXX XXXX  XXXX {$9800.00} XXXX XXXX XXXXXXXX {$10000.00} XXXX XXXX. {$17000.00} XXXX XXXX  {$57000.00} XXXX XXXX  {$250.00} XXXX XXXX {$160.00}
Product: Vehicle loan or lease

In accordance with the FCRA, Westlake Financial account number XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681 Sec. 602A. states that I have a right to privacy ; 604.A.sec.2 also states that a consumer reporting agency can not furnish information on an account without my written instructions ; 15 USC 1681 5-2 ( 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: Debt collection

STATEMENT OF THE CASE On or about  XXXX   XXXX ,   XXXX  , PRM caused to be included in Complainants consumer files, and recorded upon Complainants investigative consumer report ( ICR ), as maintained by   XXXX   XXXX   XXXX   XXXX    consumer  reporting agencies, adverse and derogatory information alleging Complainants default upon a debt owed to the  XXXX   XXXX  and  XXXX   XXXX   (   XXXX  ) to the sum of  XXXX   XXXX   XXXX   ( { $820.00} ) and     XXXX   XXXX  . The reintroduction of this information in Complainants consumer files and recordation upon his  ICR  violates the FCRA and FDPA.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report. I would like these items immediately investigated. These inaccuracies are highly injurious to my credit rating. Update and remove all address on my file that are not current. ASAP. As well as all the negative accounts that do not belong to myself listed below. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ( Never Lived There ) XXXX XXXX XXXX XXXX, GA XXXX ( Never Lived There ) XXXX : XXXX Date Opened : XX/XX/XXXX I am victim of identity theft and have never owned this account. 
XXXX XXXX : XXXX Date Opened : XX/XX/XXXX I am victim of identity theft and have never owned this account. 
XXXX : XXXX Date Opened : XX/XX/XXXX ( Never Late ) I dispute the missed payments and late payments on this account please provide statements and records of all payments made and missed since i opened this account. Also mail me proof of your investigation and proof of negative payment status for this account or delete the negative information in this account. 
XXXX : XXXX Date Opened : XX/XX/XXXX ( Never Late ) I dispute the missed payments and late payments on this account please provide statements and records of all payments made and missed since i opened this account. Also mail me proof of your investigation and proof of negative payment status for this account or delete the negative information in this account. 
XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX ( Never Late ) I dispute the missed payments and late payments on this account please provide statements and records of all payments made and missed since i opened this account. Also mail me proof of your investigation and proof of negative payment status for this account or delete the negative information in this account. 
XXXX XXXX : XXXX Date Opened : XX/XX/XXXX I am victim of identity theft and have never owned this account. 
Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your Investigation and corrections.

Your cooperation and prompt attention are greatly appreciated. Sincerely yours, XXXX XXXX
Product: Payday loan, title loan, or personal loan

The company website give you a option to pay the bill via your bank using the bill pay. My bank delivered my payment to the Oportun company on XX/XX/18. The company applied a late fee {$14.00} because they claim they don't check the PO BOX daily for payments. They gave the in date of the payment XX/XX/18, but i should be XX/XX/18. The website does not inform the customers that it might take a few days for them to get the payment from the PO BOX .