23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I received a Vanilla Visa prepaid card of {$300.00} in XX/XX/XXXX as a XXXX gift. I didn't think of using it right away as I wanted to save it for when I really needed some extra cash. On XX/XX/XXXX, I decided to use the card to pay for my bill, but I couldn't process the payment due to an insufficient fund. I checked the balance and found out that someone had hacked the card and stolen all the fund. They made three transactions : two of them on XX/XX/XXXX, and one on XX/XX/XXXX. I reported the issue to the gift card company ( InComm ) on the very same day. My dispute case is XXXX. On XX/XX/XXXX, they denied my case because the transactions were out of timeframe for recovery.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX Credit Bureau is reporting inaccurate information on XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified information on my reports that are a result of identity theft, these items are not related to any transactions completed by me. 

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

After thoroughly reviewing my TransUnion credit report, I was outraged to find multiple inaccuracies that should have never been reported. These errors are not harmless clerical mistakesthey are actively damaging my financial reputation and creating unnecessary roadblocks. I refuse to allow false information to dictate my creditworthiness and demand an immediate and thorough reinvestigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed accounts can not be fully substantiated with solid, irrefutable evidence, they must be removed immediately. This is not a requestit is a demand for compliance with federal law, and I expect a prompt and decisive resolution. Any failure to correct these errors will not be ignored. 

Inaccurate Charge Off Account : Company Name : XXXX  XXXX - Account # : XXXX - Balance : {$2500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to apply for an apartment and the management company was Ascension Management Co.The leasing representative told me I had an outstanding balance of XXXX due to an eviction. I advised them I have never leased an apt . regarding this management company. They gave me the name of the property. I called and I spoke with Asst. Mgr and was told there were a lot of ppl that called due to fraud regarding a asst. mgr was using people info for apts. I was told to call Ascension and no one has returned my calls for over6 months to get this straighten out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote letters to Equifax, XXXX, and XXXX on XX/XX/22 and XX/XX/22 requesting for late payments to be removed that were recorded during the COVID-19 Pandemic. Per the Heroes Act passed by Congress, late payments were not allowed to be reported during the pandemic plus an additional 120 days. Request to have the late payments have been removed and is a violation of the Heroes Act.
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. 
Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : 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: Debt collection

Hunter warfield is refusing to return a {$500.00} check that was mailed to them to settle the debt and remove their collections from all credit bureaus. 
Hunter warfield has stated that they were hired by a separate company to collect debt on their clients behalf. I have spoken with a collections agent as well as the supervisor and neither have been very helpful in resolving the issue regarding my delinquent account. I have sent a pay for deletion letter certified mail to the corporate hunter warfield office and have received no type of response or acknowledgement that my cashiers was received as well as my letter. The cashiers check of XXXX dollars was sent as a settlement amount for the debt they were trying to collect on. I stated in the letter that if the settlement amount was acceptable they were free to cash the check as long as the debt was removed from all XXXX credit bureaus that they were reporting to. It has been past a month and my check has not been returned nor has my collection account been removed from my reports. 

I have received constant increases on my debt since contact which i believe to be a harassing method of collecting on a debt. After my cashiers check was mailed my debt increased on my credit report from the amount of {$2100.00} to the amount of {$2100.00} on XX/XX/2017 via my XXXX account. The following week i received yet another increase on my debt from the amount of {$2100.00} to {$2100.00}. I am now in fear that the supervisor i spoke with by the name of XXXX has increased my debt continually as a way to negatively hurt my credit report until I pay the settlement amount or agree to let him keep my check without resolving my debt.
Product: Checking or savings account

Me and my wife are account holders with Chase, today we tired to do some account maintenance for existing accounts, and the customer representative we dealt with was disrespectful and arrogant, I tried to file a compliant through Chase through my Chase app and you cant and through their web page, I couldnt get in. I know it might not be a case of fraud or deception but may be of unfair treatment again XXXX or elder treatment, and I know I have the right to file a complaint but they make it difficult to file one. Beside we sh have been treated in such a disrespectful manner. 
The branch in question is located at XXXX XXXX XXXX XXXX, in XXXX, XXXX, XXXX. If you look at the branch website you will see I am not the first one to complain, and it was not the first time they have treated us in that manner and it was time to escalate this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 1 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 2 604.A also states a consumer reporting agency can not furnish an account without my written approval or instructions. 


I have asked this company several times to provide me with a signed contract by myself and they have not delivered
Product: Checking or savings account

Deposited a check on XX/XX/XXXX for {XXXX they told us they would have a hold till XX/XX/XXXX On XX/XX/XXXX we were told account was now restricted and he would need a number in his name to verify. We went and got a phone from XXXX XXXXXXXX in his name. 
Everyday have called they have stated the phone isn't showing in the system under his name and on XX/XX/XXXX they will close my account and hold funds in suspense until they get another number to contact him in his name. 
On XX/XX/XXXX we were told by a customer service supervisor to go to branch a fill out a hold harmless letter. The branch refused to do so. 


XX/XX/XXXX spoke with XXXX transferred to specialist XXXX specialist stated the funds would be available to use on XX/XX/XXXX XX/XX/XXXX spoke with XXXX said account needs a specialist and gave me the number XXXX option XXXX spoke with XXXX she stated account is restricted she stated they could hold funds for 2 years Spoke with XXXX he said to call back everyday that the account will be deleted the XXXX and if and when they can verify XXXX with a phone number they will mail me a cashier check for the XXXX XX/XX/XXXX spoke with afa she tried to see if his phone was registered yet still showing someone else name.
Product: Checking or savings account

On XX/XX/XXXX of 2018 {$200.00} was taken from my checking account at an ATM in XXXX New Jersey. At the time I was at home in XXXX XXXX NJ. I had my ATM card on my person and did not give either the card, or the PIN number to anyone else. I noticed the activity and contacted Citibank 's Fraud department. Citibank credited my account but ultimately took the funds out again after an investigation. I was given no details on the investigation and only told that they determined it was not fraud since the thief was able to use an ATM. I am not sure why citibank came to this conclusion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is the problem. I am a victim of identity theft. I submitted to them a police report and an FTC Identity Theft Report detailing the fraudulent accounts. 

Experian is refusing to remove a fraud account from XXXX credit card. 

XXXX is the account number in Experian and it shows {$4500.00} Both XXXX   and XXXX have followed the law and removed this item after I submitted a police report about identity theft as they should. 

Experian will not follow the FCRA and remove and block the item with a police report. 

I then did a credit freeze on my Experian account. Experian responded by notifying me via email that they were raising the price of my account. I believe they are retaliating for me freezing my profile to punish me. I was upset and decided to cancel my account. 

I proceeded to try to cancel my Experian account, and ran into more fraudulent activity from them. While my profile online clearly states my membership status, fee and billing date, they do not allow you to cancel online in a convenient way. Their automated phone system would declare that I had no membership and would hang up without letting me cancel. I called several numbers listed on their website and always was directed into a dead end automated system with no human available as an option. They do this to prevent you from being able to cancel and keep billing you. I finally had to choose an option about a child and identity theft in order to get to a person, and it was a person in an office in XXXX XXXX named XXXX who finally was able to cancel the membership for me.
Product: Debt collection

The company keeps contacting my employer. Both my employer and myself have instructed them that I can not take personal calls for the purpose of debt collection. The company still persists calling multiple times per day.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXXXX/XX/XXXX i have reached out to the companies to have this issue resolved, most of them advise me to speak with the credit bureaus when i reach the credit bureaus for assistance they advise me to contact the creditors or the companies who pulled my credit for a " letter of deletion '' I am being sent back and forth between the companies, spending hours on the phone and still have not had assistance with these inquiries this is becoming extremely frustrating. I need these inquiries deleted as soon as possible this is not fair to me as a consumer these inquiries were not made/authorized by me they are fraudulent please do the right thing and remove thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and  highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATEXX/XX/XXXX XXXX, XXXX XXXX SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX Reported : XXXX. XXXX, XXXX + {$6500.00} Closed XXXX XXXX XXXX : XXXX. XXXX, XXXX + {$5000.00} Closed XXXX XXXX XXXX : XXXX. XXXX, XXXX + {$1300.00} Closed XXXX XXXX XXXX : XXXX. XXXX, XXXX + {$8700.00} Closed Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX  XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

I booked a 4 night stay at XXXX XXXX XXXX XXXXl in XXXX XXXX XXXX XXXX through XXXX. ( XXXX ) .and prepaid the reservation with a XXXX XXXX  card issued by AFFIRM in the amount of {$320.00}. XXXX XXXXXXXX sent me a copy of the charges and receipt. Upon checkin, the hotel said they only charged the first night and I still owed the other 3 nights. In order to checkin I had to have another virtual card issued for the alleged balance of XXXX. 
The hotel and XXXX assured me the double charge issue would be resolved. 
I have plead my case to the hotel in XXXX, filed a complaint with XXXX XXXX as well as a dispute with Affirm. 
Affirm is still demanding payment even though my account was clearly charged 2 twice. The hotel never returns my email or calls and XXXX says they are investigating but I have had no response from them in over a month
Product: Debt collection

I had an account that went to collections with Argon Agency. Once I was able to pay I set up payment arrangements for said debt. We worked out some type of deal and I eventually paid the debt off in 2018. Now here it is two years later they are reporting on my credit that my debt was never paid off. The debt was paid off in the amount of the agreement but they never sent the remanding about to the company that I originally had the debt with. So basically they made a deal with me and once I paid it off they act like there was never a deal in place. They are hurting my credit tremendously and forcing me to pay the remanding about of the original debt if I want it off my credit report. I don't feel this is lawful at all and this company should be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries i didnt authorize below : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I own a small business : In XXXX my friend and I purchased a commercial 4 bay garage. I needed this space to store inventory for my business. My friend wanted space to store a classic car. We had problems finding insurance for this property because it was listed as commercial but we did not have business hours at this location. I reached an agreement with my business insurance agent to insure this property as part of my business policy. 

In XX/XX/XXXX my wife and I signed a purchase agreement for a house in Florida. I applied for a mortgage from Citizens bank. My wife banks at a credit union and I have my personal and business checking accounts at Citizens. My wife and I also have our 401K accounts at Citizens. 

I wanted to close my 401K account and use this money for a down payment on the Florida house. Citizens could not transfer this money between my 401K and my checking account so I was issued a check that I deposited into my checking account. 

Citizens would not approve my mortgage request based on the following : I could not prove the large deposit in my checking account. I deposited a Citizens check into a Citizens checking account. 
The underwriter was using my garage against me. I was sent a document that had the following questions. 
Did I own this property free and clear? Answer : I own the building with XXXX XXXX. 
How was this building insured? The Loan officer was calling my insurance agent. My agent refused to talk to the loan officer. 
Are the condo fees paid for on this building? Answer : There is not a condo association for this garage. 

This underwriting department is fixating on a garage that is being used as a storage locker and is paid for. The taxes are current and the property is insured. 

The underwriter also wants evidence that I lived at an address on XXXX XXXX in XXXX, PA. Answer : I have never lived in XXXX . XXXX XXXX lives on XXXX XXXX. 

Underwriter is looking into a credit inquire from XXXX. Underwriter needs a billing statement from XXXX. Answer : I changed cell phone companies in XX/XX/XXXX. XXXX has me enrolled in auto pay. My bill is automatically charged to my credit card each month and I do not receive a bill from XXXX. 

The underwriter wants a signed lease for the Florida property between me and the tenant. WHAT LEASE? WHAT TENANT? 

These four issues are keeping me from getting a mortgage that I have a 40 % down payment for. This bank has me backed into a corner. I am going to lose my {$5000.00} down payment. I have a $ XXXX annuity that I purchased through Citizens Bank. My wife has $ XXXX in her Citizens 401K and we have over 100K in cash to use for the down payment for a {$230000.00} purchase. 

I thought I was a great risk for the bank. The bank was a risk for me.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

I was contacted by First National Bank of Omaha about Best Western Mastercard opened in my name that they suspected was fraud. I received the card, but upon contacting the bank they had said person had tried to call and re-direct card to Florida address. No charges were made against the account and card was closed. Want to make sure safeguards are in place to help stop this in the future.
Product: Vehicle loan or lease

I received a loan to cover a mechanic bill. I am trying to pay off loan sooner since they are debited automatic payments. I have tried over 10x to access their loan portal with no luck. I can not access my loan statement or payoff information. They said they can not mail me a statement or email me a statement since they are a paperless company. I have called them 5x and I still can not get into my online portal.
Product: Mortgage

XXXX sold my loan to Fay Servicing. I pay through online banking. Apparently the property taxes caused my mortgage payment to increase which I was unaware of. The loan was taken over in XXXX by Fay Servicing. I discovered the error later in XXXX. I asked Fay what needed to be done to fix the problem and they refused to fix it. I made a payment each month from XXXX through current month. I spoke with an agent in XXXX but they agent falsely assured me things would be okay. Fay Servicing encouraged me to file mitigation but all they are doing is requesting more and more paperwork and refused to work to fix the loan. They are only interested in getting the property and making money. I have made several attempts to resolve the problem. I asked how much I needed to pay to bring account current, etc. and no information is given. They also refused to respond to me in writing. They will only contact me via phone or pre-made collection letters that are sent to all parties. This company preys on the consumer and has not interest in helping those that are truly interested in fixing the problem. This company also sent out letter stating that they sell my personal information to anyone they so chose without my express permission.
Product: Debt collection

have not recieved valid verification of this debt and it has been XXXX days since I first disputed this debt. .I have this debt that i do not owe negatively affecting my credit score and I need it removed from all XXXX CB XXXX. It 's imperative that verification of the identity of a consumer and the amount of the debt be obtained directly from the creditor. Mere itemization ( bill ) of what the debt collector already has does not accomplish this purpose