23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I used capital one shopping extension located here https : //capitaloneshopping.com/ I made purchased during XXXX XXXX and was able to rack up legally XXXX worth of capital one cashback to be able to use to redeem for gift cards. The second i tried to redeem some of my balance for a virtual gift card they banned me. In the email all the said was i was a reseller ( assuming ) without asking me for invoices or proof or anything. Then banned me and said oh well to bad we cant help you cause we think you're a reseller. Which is utterly insane they just stole XXXX worth of balance from me just because they felt like it. And worst is they got paid their end of the cashback and now profited off my end of the cashback so they made double the money off me and get to run off free and for me to suffer. If you check on XXXX and XXXX im not the only one they're doing this to. Its very sick practice theyre doing here, its total scamming customers that are legally buying products for cashback.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. When I review my credit report I noticed that there are items that are misleading or erroneous. The items I'm disputing today have no affiliation with me or my transactions. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XX/XX/XXXX  XXXX BANK XX/XX/2022 XXXX - XXXX SERVICES XX/XX/2022 XXXX - XXXX SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  BANK XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit card

I attempted to order something online from XXXX using my synchrony credit card on XX/XX/XXXX and was charged {$610.00} twice. The product I ordered was out of stock so the merchant refunded {$610.00} but denied charging me twice. I have disputed the charge 5 times with synchrony bank and every time they say that I was refunded but still owe {$610.00}. I never received any product or service from XXXX and my disputes have gone nowhere. Please help to resolve this matter
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against EXPERIAN regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : Outdated Address : My current residential address is XXXX XXXX XXXX XXXX, XXXX, florida, XXXX ], while my credit report shows an outdated address of [ XXXX XXXX XXXX XXXX XXXX, fl XXXX ] [ XXXX XXXX XXXX XXXXXXXX, Fl XXXX ]. I request that my current address be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

Hello, I called Transunion to dispute prior accounts. I have been doing this since the month of XX/XX/2018. During one of my recent calls I was notified that my personal information was incorrect when I always provided my first and last name. I provided my social security number but the credit name was wrongfully updated on the credit report. My legal name is XXXX XXXX. On the credit report it was XXXX XXXX. During my last phone call of disputed with Transunion, I was advised to send a letter as to the reason why I wanted my personal information updated along with a copy of my license and so forth. Unfortunately, I do not have the convenient time to do so and it was not a mistake on my end. This was an inaccuracy from the credit bureau itself and my personal information should be updated because they have the system to do so. Now my credit report and information is all wrong due to their mistake of my personal name.
Product: Checking or savings account

This account was paid in full with the agreement they would delete the negative reporting on my credit score. It's more then 90 days since this account was paid and it's still showing my credit report. Please remove this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Employer : XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  : XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Name : XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I recieved a {$500.00} AMEX virtual gift card with a {$500.00} balance, and I can not use this card anywhere. Checked the balance online and you can see all the declined transactions that wont go through,
Product: Mortgage

First of all, our story is like many stories around USA. We were hit by Hurricane Irma last year in Florida. Mr. Cooper is the servicer of our loan. We were offered help if we needed. We spoke with their representative and they allowed us to stop mortgage payments for 3 months. At the end of this period, I called them to start making payments, They advised us that we needed to apply for a disaster modification so these 3 months could go to the back of the loan. I asked them if I could make payments and they said to wait for the process. All the time, I told them that I had a previous HAMP modification and that I did not want to loose it. They affirmed that this was the way to go. This process took more than a year with a higher interest rate and payments ( around {$400.00} more monthly ). We feel that we were mislead. They gave us a mortgage 40 % more of out income. We are making the payments but it has been hard. But we can not loose our home. 
We feel that it was kind of bait and switch- They offered help and then took out our HAMP. Today, I have the interest rate that I would had have in 2020. I really disappointed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX   XXXX California XXXX XX/XX/XXXX CHASE AUTO  XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Chase Auto Loan Account Number : XXXX Balance : {$7800.00} SSN : XXXX DOB : XX/XX/XXXX To Whom It May Concern : CHASE AUTO I would like to make arrangements to settle the above referenced matter. 


Please provide me with your statement of the amount owing as of ( XX/XX/XXXX ), together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. 



Thank you very much. 

XXXX XXXX XXXX, XXXX Without Prejudice XXXX XXXX
Product: Credit card

On XX/XX/XXXX, I attempted to make a purchase through XXXX using my Wells Fargo credit card. I received an email stating that the purchase had been declined. XXXX then charged a different card which went through. On Friday, XX/XX/XXXX, my second Wells Fargo card was declined for a purchase through XXXX for monthly membership. I have not received any information from the bank, regarding the reasons that my cards would be suddenly declined. On XX/XX/XXXX, I attempted to pay the bill for the active cash card which was approximately {$340.00}. I saw a message in the app stating that I still had a past due amount of {$150.00}. I thought that was a little odd since the late fee, and the terms and conditions that I had received stated that a late fee was {$30.00}. I have not been late With my payments, since in the terms and conditions, it states that I have 30 days from the due date in which to make a payment before it is considered late.. I went into the rewards section of the app to see how many rewards I had accumulated. I noticed that XXXX of the rewards IDs said unavailable. This rewards amount shouldve been approximately {$180.00}. The bank has also negatively affected my credit report, all three. I have lost over XXXX points in the past couple of months due to their in accurate reporting of my account. I also attempted to pay this unjust late fee, however, I received a message saying that I had exceeded the daily, or monthly payment limit for my account from a non-Wells Fargo account, and that I needed to use a Wells Fargo account to pay, or call them directly.
Product: Debt collection

I never received first notice on this account. I did not open this account I think it may have been my brother in law who stole my information when he was living in my basement. I have asked for proof of my signture for.entering into this debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ( Case XXXX ) Violations Include : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681 ( b ) ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) ; Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ). 

As a victim of identity theft linked to the widely publicized XXXX XXXX XXXX ( XXXX XXXX. XXXX ), I am formally invoking my rights under federal law, including the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act. These laws are explicitly designed to protect consumers from the unauthorized use of their personal information and ensure the accuracy and integrity of credit reporting practices. Experian negligence and continued retention of credit, finances, and personal well-being. I have demanded the removal of fraudulent items appearing on my personal credit report. For months, I have communicated to XXXX XXXX, XXXX, and Experian, and informed each, that the accounts listed do not belong to me. 

There has been absolutely no legal proof provided to substantiate the marks on my credit report. I have not signed any wet signature application or contract that would legally authorize the reporting of this information. The accounts stemmed from theft fraud resulting from the XXXX XXXX XXXX, a crime of which, again I am a victim. Experian received several materials, the accounts were deleted and proof of the deletion was confirmed. However, the accounts were reinserted back on my credit files and yet the unauthorized accounts remain on my credit report, continuing to damage my credit standing and financial reputation, and still sending stall letters, which is frivolous. 
XXXX. XXXX XXXX : # XXXX, Balance : {$5500.00}, Open Date : XX/XX/year> XXXX. XXXX XXXX : # XXXX, Balance : {$9200.00}, Open Date : XX/XX/year> XXXX. XXXX XXXX : # XXXX, Balance : {$7700.00}, Open Date : XX/XX/year> This criminal activity has been reported to the appropriate authorities, and I have enclosed a copy of the filed FTC report numerous times. The fraudulent accounts are now inaccurately reported as being in collections and/or reflecting late payments, which undermines my financial credibility. I have been disputing these particular unauthorized accounts for months, and your refusal to delete or block these fraudulent entries constitutes a blatant violation of FCRA Section 605B ( 15 U.S.C. 1681c-2 ( a ) ), which requires Experian to block and delete any fraudulent information upon receipt of a valid identity theft report.
Product: Debt collection

( LVNV FUNDING ) IS REPORTING AN ACCOUNT ON MY CONSUMER REPORT THAT IS UNVERIFIED AND INACCURATE. THIS IS A VIOLATION OF THE FCRA AND FDCPA. THIS ACCOUNT NEEDS TO BE DELETED IMMEDIATELY. IF THIS ACCOUNT IS NOT DELETED WHITIN 7 DAYS I WILL BE SEEKING REMEDY UNDER THE FCRA AND FDCPA FOR EVERY VIOLATION AND EVERY MONTH THIS ACCOUNT HAS BEEN REPORTING ON MY CONSUMER REPORT. I WILL ALSO BE SEEKING FOR STATUTORY AND PUNITIVE DAMAGES AS WELL. I WILL TAING LEGAL ACTION AGAINST ( XXXX FUNDING ) BECAUSE YOUR COMPANY IS THE XXXX REPORTING THE ACCOUNT ON MY CONSUMER REPORT. EVEN IF YOU ARE HIRED OR CONTRACTED BY ANOTHER COMPANY, I WILL BE SEEKING AND TAKING ACTION AGAINST YOUR COMPANY. YOU HAVE 7 DAYS. THANK YOU.
Product: Money transfer, virtual currency, or money service

I sent money though money gram on  XX/XX/2017    and they wo n't release it and I have been trying to get a refund back and they transfer me to another department and they put me on hold and that has been happening every day and night and no one picks up and I am very tired of the way they are doing me just to get my money back from Money gram and the reference number is  XXXX
Product: Checking or savings account

XXXX XXXX XXXX by Wells Fargo On XX/XX/XXXX we have a withdraw from our business account for the amount of {$31000.00} this is the total withdraw for all my employees for this pay period. 

On XX/XX/XXXX we received a notification from one of our employees that he has closed his bank account so the funds can not be access. We contact our payroll company about this issue and requested the funds back just for this single employee in the amount of {$1200.00}. This amount was return to our account on XX/XX/XXXX. 

We issue a company check to this employee for the same amount {$1200.00} for him to cash and he did it on XX/XX/XXXX ( check # XXXX ) Wells Fargo never contact us back regarding any issues about this in XXXX. 

On XX/XX/XXXX the same check # XXXX for {$1200.00} was cashed again by the same employee ( at this time he is no longer employee ) On XX/XX/XXXX I dispute the charges with my bank ( wells Fargo ) while they investigate they credit my account {$1200.00}. 

On XX/XX/XXXX The bank withdraw the funds back again for {$1200.00}. follow by a letter with reference # XXXX " based upon our research, we have determined the transaction has posted correctly ... .. please consider your claim closed. 

I have been to the branch already 5 times to get a detail explanation why they don't understand that the check was chased twice. in conclusion always get the same response. we can not do anything about it in the branch. You have to escalate it over the phone. 

I have call 3 times to the number the branch manager give to me to escalate the complain and always end up in the same result. We can not transfer you to that department, they will call you back in the next 24 to 48 hours and I have never received the call back. I have already wait 10 business day.
Product: Debt collection

After reviewing my credit report I recognized an account/debt that did not belong to me. Ive sent 4 debt validation letters in the get proof of validation but I have yet to receive adequate information to prove that the debt is mines and that I am responsible for it. I spoke with a manager and he basically told me they arent able o validate it but he will not delete it from my credit report. My problem with this is because it is negatively effect my ability to obtain credit. Also it is false information that I shouldnt be responsible for especially if there not able to confirm I created the debt. I would like for this account to be deleted from my credit report in a timely manner. 

The dates Ive sent debt validation letters via certified mail where : XX/XX/2019 Tracking number XXXX XX/XX/2019 Tracking number XXXX XX/XX/2019 Tracking number XXXX XX/XX/2019 Tracking number XXXX Amount said to be owed {$870.00}
Product: Debt collection

Section XXXX of the XXXX XXXX XXXX prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a XXXX bond and filed a copy of the bond with the Office of the Secretary of State. 

Furthermore, Sec. XXXX. UNFAIR OR UNCONSCIONABLE MEANS. ( a ) In debt collection, a debt collector may not use unfair or unconscionable means that employ the following practices : ( XXXX ) collecting or attempting to collect interest or a charge, fee, or expense incidental to the obligation unless the interest or incidental charge, fee, or expense is expressly authorized by the agreement creating the obligation or legally chargeable to the consumer.
Product: Debt collection

Emergency room visit for 3 hours and got {$15000.00} bill. Refused to pay. Date of Service XXXX/XXXX/XXXX. Hospital wrote it off on XXXX/XXXX/XXXX. Commonwealth Financial Systems started harassing me and reporting me to credit bureau XXXX. The debt has been charges off since XXXX. They are attempting to collect a debt that does not exist. The debt was turned over to my attorney and I assume he had it reversed. I want the prosecuted and fined for their illegal practice.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

I Call Transunion about 10 times a day to update my XXXX XXXX  to reflect on my accts XXXX XXXX and XXXX XXXXXXXX XXXX they refuse but they did add XXXX to a XXXX XXXX but im not in a XXXX XXXX i ask to speak to supervisor, Special handling no one will help
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fifth letter submitted to you informing you that I am a victim of identity theft and I complain to question this items in my file occurred because of some negligence. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, impede the noteworthy of any information in my credit file that surfaced due to alleged fraud : XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; 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  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 ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out 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 XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account 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 AUTO XXXX Balance : {$26000.00}.