23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached are documents which show that several payments were made in the month of XXXX XXXX and XXXX. ) The reason for this dispute is in reference to wrongfully information reported on my credit report with XXXX, Equifax and XX/XX/XXXX The account stated below from XXXX XXXX is incorrectly reported as a late payment for the month of XXXX XXXX. This needs to be removed immediately as this is hurting my credit score significantly. All months were paid on time and never late. Please update this information on my credit file. 

Please make sure that my contact number is visible/ provided in the Personal Statement section of my credit file. Asking al creditors to contact me first before issuing credit. Due to my personal information being compromised.
Product: Debt collection

This collection company has been told numerous of time to stop calling my job and to stop calling me. My work number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has wrongfully furnished information on my account. i called several times and they denied my right as a consumer to dispute this fraud on my account. This is ruining my credit reputation. this is a violation of my consumer rights under 15 usc 1692f. This insane. i woke up and saw 3 random inquires on my report XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Finance other than personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 2023
Product: Debt collection

In XX/XX/2018 I dropped my card on the way out going to work. I never noticed it was gone until some time later. I only found out it was stolen because my roommate was bragging to a mutual friend about how she stole it. Soon after I noticed the card was missing and charges were being made the same day. I called Capital Bank and spoke with a representative. I told them what happened and that I wanted to close the account and start a new account because someone had stolen my card. They agreed to close the account and said they would remove the account from my credit report. Since then they only removed the account from collections but they are still reporting late payments each month since the incident. Every time I call they tell me they are working on removing it but its now been reporting late payments going on two years. I have written letters and sent in disputes. Its just not right to do a loyal consumer this way.
Product: Debt collection

Please provide me monthly Billing Statements for the following dates : XX/XX/year> - XX/XX/year> - XX/XX/year> XX/XX/year> - XX/XX/year> - XX/XX/year>.
Product: Credit reporting or other personal consumer reports

It is challenging to request credit reports online or via telephone. When I log into my online account for Transunion, it either directs me to pick a plan to pay for service or blocks my requests for a credit report with a message that says " We're unable to complete your request online. '' I tried calling Transunion several times over the last few months and I've spent hours waiting on hold or the automated system will eventually hang up and send you a text to start chatting via text. The live agents via text stated they can not request a report for me via text because I am a fraud victim. So how else will I be able to request a free credit report? This has been going on for months and TransUnion should hire more agents to be able to take calls from people in this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : 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. 
XXXX XXXX ( XXXX ) with account number 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.

Account of concern : XXXX XXXX  ( Collection Account ) Reported on Transunion credit report bearing account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I researched buying a new vehicle at a local XXXX dealership, XXXX XXXX in XXXX XXXX New Jersey. I found a vehicle I wanted, emailed their sales department and received an email laying out the financials of buying this vehicle. The most important detail was a {$7400.00} " upfront savings '' discount. 
I went to the dealer, spoke with a sales person, picked the vehicle and sat down with sales person and sales manager to go through the financial details. The manager wrote down the information including the {$7400.00} " upfront savings ''. 
I signed the contract and left with the vehicle. Upon further inspection of the contract, the financial detail page is behind a page that I signed and it did not have the {$7400.00} savings. I immediately phoned the original online sales representative who promised to look into it, I waited a week with no response. I emailed the representative and have not received a response back after another week. 
I feel like I was knowingly deceived by the sales manager.  I believe that this was a simple bait and switch situation and would like to receive the savings or return the vehicle. 
I have not made a payment yet and am not due to until XXXX XXXX. 
If I can not receive the savings or return the vehicle, I would ask that XXXX XXXX of XXXX XXXX be monitored for other shady sales tactics towards XXXX XXXX members. 
Thank you in advance for your time and consideration. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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


UNAUTHORIZED INQUIRIES INQUIRIES : 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, credit repair services, or other personal consumer reports

I have tried disputing this unverified bankruptcy on my credit report for almost two years. XXXX and XXXX got rid of it. They dont have proof of me filing one nor I have lived near the area they say I filed bankruptcy at. I even wrote the alleged court and sent the letter about them not giving information to third parties and they have not deleted this unverified bankruptcy yet. I even screenshotted my other profiles to show proof and they havent deleted this yet. This is hindering me from obtaining near credit and they are violating my fcra rights, and they said they are not reinvestigating this manner.
Product: Credit reporting 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are public records on my report that is not accurate or didnt happen. I requested them to validate the information and they responded they validated the information. I requested their method of validating the public records and they said they validated through the original provider which would be the court. I wrote the court and ask them about the bureau contacting them and they responded with letter stating they dont verify that way and if the bureaus have to verify what is put in public records through filing motions. So there is a descrepancy on my inquiry is being handled properly, clearly the court said they did not provide the information but Transunion is saying they did.
Product: Prepaid card

I noticed that i had many unauthorized charges on my account on XX/XX/XXXX for many amounts of both XXXX XXXX XXXX XXXX XXXXXXXX. When i called Customer Service, they forward me to the Fraud Dept. 

I spoke with XXXX. He said that he saw them and several other charges in the amounts of both XXXX, and {$600.00} XXXX. XXXX said he could clearly see that someone was authorizing the account to see what they could get. He also noticed a transactoin for " XXXX  '' and resturant subscriptions. None of which I made. He refunded the account and told me that he stopped the card and put in a re-issue [ of the card ] request. 

Today, XX/XX/XXXX, I have XXXX additional charges in the amounts of XXXX XXXX XXXX XXXX XXXXXXXX. I am XXXX, as the sub account was supposed to be closed and a card reissued I called customer service and spent XXXX mins on the phone with them. I am so unhappy and livid by their disservice The rep and her supervisor could not tell me that -- if the sub account was reissued and closed on XXXX -- why charges were happening the day after. WHY ARE THEY ALLOWING A DEACTIVED CARD TO CHARGE???! They did not reverse the charges, but rather, opened a Dispute. So, now i have to wait until 45 days for money back that should never have left my account to begin with. 

Noone can tell me why the account was still active. I want my money back and i want to make a government complaint agaisnt their disservice.

I called back and demanded XXXX  support, but they would not allow me to speak to someone that may be able to understand/answer my complaints.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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

Dear Sir/Madam, I was send a letter from XXXX XXXX XXXX XXXX that there is a collection account on my file from Synchrony Bank and that they were collecting it. XXXX and XXXX never provided validation of the debt. 

In accordance with the FDCPA, I have the right to ask for validation of this alleged debt. This is asking for proof of this and verifying the same. This is inaccurate reporting and has had a detrimental effect on my credit rating and ability to achieve financing. 

Consequently, XXXX XXXX, XXXX and Synchrony Bank should be instructed to cease and desist from all collection activities until this alleged debt can be validated. In addition I would expect to see this account deleted from all three credit bureau 's and I will take steps to insure that this happens. 

XXXX XXXX and Synchrony Bank never provided the following : 1. The agreement which authorizes the creditor to collect on the alleged debt.

2. The signed agreement from the debtor conforming to pay the creditor.

3. The documents regarding the payments made on this account validating the amount. 

Thank you for your prompt attention to this matter.
Product: Debt collection

PINNACLE IS REPORTING A COLLECTION TO THE CREDIT REPORT THAT DOES NOT BELONG TO ME. THEY CLAIM TO BE COLLECTION ON BEHALF OF XXXX WHEN CONTACTED XXXX NO SUCH ACCOUNT NUMBER OR ANY ACCOUNT UNDER MY NAME OR SOCIAL WAS LOCATED. I ATTEMPTED TO REQUEST VALIDATION AND VERIFICATION OF THIS DEBT FROM PINNACLE ( HAVE PROOF OF SERVICE ) BUT ALL MY DEMANDS AND REQUESTS WENT IGNORED ... AND THEY ARE STILL REPORTING THIS ERRONEOUS AND FRAUDULENT COLLECTION ACCOUNT TO MY CREDIT REPORT THIS MUST STOP!!! 

PINNACLE CREDIT SERVICES # XXXX XXXX XXXX XXXX XXXX , MN XXXX ( XXXX ) XXXX Placed for Collection : XXXX/XXXX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : XXXX Balance : {$390.00} Date Updated : XXXX/XXXX/XXXX Original Amount : {$390.00} Original Charge-off : {$0.00} Original Creditor : XXXX Past Due : & gt ; {$390.00} & lt ; Pay Status : & gt ; In Collection & lt ; Remarks : ACCT INFO DISPUTED BY CONSUMR ; & gt ; PLACED FOR COLLECTION & lt ;
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX on XX/XX/XXXX In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.
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 Account number # XXXXXXXX XXXX XXXX XXXX  Account number # XXXXXXXX XXXX XXXX XXXX XXXX  Account number # XXXXXXXX XXXX XXXX XXXX Account number # XXXXXXXX XXXX XXXX XXXX Account number # XXXX XXXX XXXX XXXX XXXX  Account number # XXXXXXXX XXXX XXXX XXXX  Account number # 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

I contact transunion and XXXX XXXX since XX/XX/2018 ... I went inside of XXXX XXXX and purchase some items and they told me that they update the account every month on the XXXX ... well as of now my account is still not updated with genesis financial or transunion ... when I contacted transunion they said the have no updates from my creditor XXXX XXXX ... and when I contacted genesis financial they are saying they have reported to transunion.. I am just confused and need this account updated on my transunion report thank you! When you for merchandise it should be updated
Product: Checking or savings account

Misleading Guidance from Wells Fargo Representative Cost Me Bonus Eligibility To Whom It May Concern, I am writing to file a formal complaint regarding misleading and ultimately damaging guidance I received from a Wells Fargo employee, which has caused me to become ineligible for a promotional checking account bonus through no fault of my own. 

On XX/XX/year>, I opened a Wells Fargo checking account in order to qualify for a {$300.00} new customer bonus. Shortly afterward, I saw a separate promotion offering {$320.00} for the same requirements. I contacted XXXX XXXX XXXX ( Relationship Banker, XXXX ID : XXXX ) at Wells Fargo to ask if I could close the first account and open a new one under the higher bonus. 

XXXX XXXX advised me over the phone that I would still be eligible for the higher {$320.00} bonus if I closed the initial account and opened a new one. Per his instruction, I closed my first account on XX/XX/year> and opened a new one that same day. I also have a screenshot from Wells Fargo confirming that the new account was eligible for the {$320.00} bonus. 

To meet the offer requirements, I received a qualifying direct deposit of {$4500.00} into the second account on XX/XX/XXXX, XXXX within the promotional period. 

Despite following every requirement outlined by Wells Fargo, and despite receiving direct guidance from XXXX of your employees, I have been informed that I am no longer eligible for the bonus due to having opened a previous accounteven though I was explicitly told this would not be a disqualifier. This has now been escalated twice internally without any resolution, and I have received no clear communication beyond being effectively told that I am out of luck. 

This is misleading and deceptive behavior that borders on bait-and-switch tactics. I acted in good faith, followed the terms, and was advised directly by your own staff to take actions that have now hurt my eligibility. 

I am requesting that Wells Fargo honor the {$320.00} promotional bonus I was told I would receive upon completing the offer requirements, or at the very least offer the {$25.00} difference ( {$300.00} ) if honoring the full amount is not possible. Otherwise, I will be forced to escalate this further via public channels, consumer advocacy platforms, and regulatory bodies. 

Please let me know how this can be resolved.
Product: Mortgage

I received a bill from the tax assessors office stating that the taxes on my property had not been paid and are over due, nearing litigation phase. I promptly call to confirm and indeed they had not. I asked if the interest and fees can be waived and they can not, stating that just because you do not receive the bill does not mean anything, it was still my responsibility to pay the taxes. To avoid further fees I paid the tax bill with penalty and interest in full. I then called PHH mortgage company to as they reimburse me for the penalty and interest fee and they needed to see the paper work. I sent them all the paper work I had and said I should hear back by Friday ( now Monday ). I did not hear back so I followed up the following Tuesday. Which is when I was informed they would not reimburse me for the incurred fees. The problem being that the property being a duplex which I reside on one side of ( but own both sides ) has two parcel numbers. It has always had two parcel numbers, but the escrow just pays one account. Both parcel numbers have been on the previous year billings. Long story short they only paid half of the property taxes and will not reimburse me for the charges which arouse from their mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$14000.00}, {$5400.00}, {$19000.00}, {$25000.00}, {$10000.00}, {$9700.00}, {$27000.00}, {$0.00}, {$4100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) --  CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account. 

6. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9700.00} -This is not my account. 


-- AUTO ACCOUNTS 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$27000.00} -This is not my account. 

9. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account.