23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I looked At my credit report on XX/XX/XXXX and APPLE/GS BANK are still reporting inaccuracies of information reported/updated invaild an inaccurate information shall be verified not updated OPEN DATE ON THIS ACCOUNT WAS XX/XX/XXXX ( XXXX ) REPORTING AS CHARGED OFF AND CLOSED. AS OF XX/XX/XXXX THIS ACCOUNTS REPORTS INVALID INFORMATION ON CLOSING AND LAST REPORTED DATE ( XX/XX/XXXX ) How can this information and dates be correct or valid. AS OF XX/XX/XXXX THIS ACOUNTS SHOWS AS OPEN AND HAVE AN OPEN BALANCE BUT SAYS CHARGED OFF BY CREDITOR, SHOWN ON XXXX, XXXX, TRANSUNION.THIS ACCOUNT IS SHOWN TO MANY INACCURACIES ALONG UPDATING AN MODIFYING MORE INVALID AN INACCURATE INFORMATION AGAIN.IM ENTILTED TO a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under 15 USC1681 ( i ) 5 ) Treatment of inaccurate or unverifiable information ) In general, after any reinvestigation of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallpromptly delete that item of information from the file of the consumer as appropriate, based on the results of the reinvestigation
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : DPT EDXXXX XXXX Balance : {$210000.00} DPT EDXXXX XXXXXXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance XXXX {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX XXXX : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a collection account on my credit report, the credit bureau verified and updated the account. Which brings me to ask, How did the credit bureaus verify my collection account as 100 % Accurate? They never did a fair investigation according to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed certified letters to all three credit reporting agencies explaining I was a victim of identity theft. The package included a copy of my Identity Theft Report and proof of my identity, a copy of section 605B of the Fair Credit Reporting Act, which requires them to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information, Identity Theft Affidavit # XXXX, Drivers license, Credit report with disputed information indicated, Notice To Furnishers Of Information and Police Report. The information reported by XXXX Bank in XXXX including late payments and any balances, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. The accounts were closed with a zero balance and were never late. The account numbers being reported were issued after I had already closed the accounts on XX/XX/XXXX with a perfect credit history for all three and a zero balance for all three. My credit score went from a XXXX to a XXXX. All three reporting agencies have responding saying they asked XXXX Bank the Furnishers Of Information and XXXX Bank has told them the information is correct. I must request this false information be re-investigated and that they block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I appreciate your prompt attention to this matter, and await your reply. Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered 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 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items 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 XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} U S DEPT OF EDXXXX Original creditor XXXX XXXX XXXX Balance : {$38000.00} XXXX XXXX XXXX Original creditor XXXX XXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX - XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXXXXXX Balance XXXX - XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXXXXXX Balance : - Bankruptcy XXXX XXXXdischarged Filed on XX/XX/XXXX Reference number : XXXX Court : US BKPT CT TX XXXX Bankruptcy XXXX XXXXdismissed Filed on XX/XX/XXXX Reference number : XXXX XXXX : US BKPT CT TX XXXX XXXX XXXX NA Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX FM XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX DEPT OF ED / XXXX XXXX Balance XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX Balance : - XXXXXXXX XXXX XXXX XXXX XXXX Balance : XXXX US DEPARTMENT OF EDU XXXX Balance : XXXX XXXX XXXXXXXX XXXX XXXX Balance : XXXX XXXX XXXX Original creditor XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX - XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXXXXXX Balance : - Bankruptcy : Dismissed XXXX Filed on XX/XX/XXXX Reference number : XXXX Court : US BKRP CT XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  Original creditor XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : XXXX XXXXXXXX XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : - XXXXXXXX XXXX XXXX Balance : - XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : - US DEPT ED XXXX Balance : XXXX XXXX XXXXXXXX Balance XXXX - XXXX XXXX bankruptcy discharged Filed on XX/XX/XXXX Reference number : XXXX Court : U.S. Bankruptcy Court XXXX XXXX bankruptcy dismissed Filed on XX/XX/XXXX XXXX XXXX : XXXX Court : U.S. Bankruptcy Court XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Bank account or service

Back in XXXX 2016, I got a promotion offer from Citibank for opening a Citogold checking account with a bonus of XXXX XXXX miles. I opened the account in late XXXX and completed the required tasks for the bonus. However, in XXXX and XXXX, I sent several secure messages online to Citibank and they refused to offer the bonus by claiming that I was not eligible, despite the fact that I was confirmed several times in XXXX and XXXX when I talked to some representatives for eligibility inquiries.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XXXX XXXXXXXX XXXX. Since then the account has repeatedly been updated as charged off every month. This is an update of in the payment history. A charged off account should NOT include and active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my consumer rights. I am demanding a deletion of the following account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed inaccurate personal information on all 3 credit bureaus : Experian, XXXX and XXXX personal credit report and disputed inaccuracies with a letter sent XX/XX/year> requesting investigation, and if information found to be " verified '' to describe action and supportive evidence to " verified '' finding. They left 1 name and 2 addresses that were reported as false with no supportive documentation for findings of " verified '' although they are inaccurate. 
The information that is inaccurate are : Name : XXXX XXXX XXXX Adresses : - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I humbly request a investigation regarding these reported inaccuracies and if found to be inaccurate to promptly correct and remove inaccurate information on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

After the XXXX data breach, I put a freeze on our credit information at all three credit agencies. We are now buying a new home and successfully removed the freezes with XXXX and XXXX. ( The mortgage company will only underwrite the mortgage using a consolidated credit report including all 3 agencies. ) Despite many phone calls to Experian and website visits during XX/XX/2018 to the present ( XX/XX/2018 ), we so far have been unable to talk to a live person. 
In my visits to the website, after entering social security number, zip code and the numeric portion of our street address, the automated message said it needed yet more information and told me to mail several documents to a XXXX, TX address. 
One time when I was on Experians website I saw I could upload the additional information. I did this but received no confirmation that the information was received. 
The upshot is we are being held hostage by Experian to get the freeze on our Experian account lifted.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is Capital One/Kohls The amount is {$140.00} for the bill due, was paid by EFT from my XXXX XXXX XXXX Account on XX/XX/18 The amount was paid in full immediately, upon my being informed that it was delinquent The account was reported 30 or 60 days past due when in fact, the amount was paid before that time period The representative on the phone informed me that there would be no impact to my credit score I was never informed, at *any time* by US Postal that a balance was due. I conveyed that to the representative on the phone, when I promptly resolved the issue
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is playing games with my report. 

I have wrong information as address showing incorrect phone numbers. 

My credit score has drop for some reason and I have not being late or purchase anything. 

Stop acting like you don't no my address or my real name. 

You update my car payment and credit cards and mortgage each month so why must we play these games.
Product: Credit reporting or other personal consumer reports

Edfinancial Services XXXX XXXX XXXX XXXX, TN XXXX Writ in the nature of discovery XXXX. Send me and the CFPB the certified document of the delegation of authority order issued to your company from the congress of the United States XXXX XXXX XXXX. 

XXXX Who ever signature is on this Certified order need to send proof of their nationality, proof of their political allegiance, and a DOAO ( Delegation of Authority order ). 

XXXX. Why is this instrument presented commanding of me money ; when I have no money? 

XXXX. Is your organization foreign for domestic? 

XXXX. Send the copy of the branch of government that issued authority to your organization, and the reference number for the certificate conformation. 

XXXX. Where can your registration number be verified ( I.e. articles of corporation )? 

XXXX. At what juncture did the Constitution establish your branch of government? 

XXXX. What is lawful money? 


Im giving 10 days for a response. This is all in good faith XXXX  : XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Without Prejudice
Product: Debt collection

I am receiving phone calls from the company, which i have declined as I presumed they were scam but now I have received a letter with a payment plan attempting to collect debt from XXXX XXXX XXXXXXXX. I have never opened a card with XXXX XXXX XXXX only XXXX and XXXX therefore this is an incorrect debt that is not mine, is scam, or is addressed to the wrong name. I am not sure but I need this balance cleared.
Product: Consumer Loan

I got a loan for {$300.00} with Sunset finance in XXXX, GA. They have called me after I got the loan and told me I owe {$700.00} for the {$300.00} borrowed. This was not in the contract and also they signed me up for a car towing assistance program that was not in the terms of the loan. I have paid on time and I feel like they are taking advantage of me and charging me fees that are illegal.
Product: Student loan

When AidVantage took over my student loans, I was previously paying on the same student loans and my monthly payments were approximately {$350.00} dollars with the same interest rate and same style plan. Last month the payment amount that AidVantage made me pay was {$480.00}. I called them at this time and asked them as to why on any other federal student loan borrower I had been working with they were charging so much more for repayments of the exact student loans. They stated that they would have a person look into this. It has now been one month and I have heard no word back from this on this issue. 
Fast forward to today, I received my bill from AidVantage and I will now be required to pay {$630.00}. This is even more than what they charged me last month. I then called this morning and was on hold for approximately 45 minutes before I even was able to visit with a customer service person. When I began visiting with the person, they were not interested in listening to the concerns I had with why I am being charged so much more with their company than any other Federal Student Loan I have been associated with. She instead continued to try and include that if I had problems making payments there are other payment options available. I tried to tell her that at this time I did not want to consider another type of repayment plan, I just wanted to visit with someone that could look into why with AidVantage I am now required to pay several hundred more dollars per month on the same student loans on the same types of plan I have been on with other Federal Student Loan providers. If she could not help me with finding out this information, I asked to speak with someone that could further look into this. At this time she pushed the phone line over instantly into the ending portion of a phone call when the person is asked to answer the questions for customer service feedback. She did not say that she was doing this or that she would try to work with me on getting someone else that could possibly help with my concerns. 
I then went to their online portal and sent in this information as well to them through e-mail and have once again requested to speak with someone that would possibly be able to help me understand why payments are now significantly more per month with no changes in my student loans.
Product: Debt collection

on XX/XX/year>2025 the law was passed by you guys ( CFPB ) that all medical debt no matter the amount should not be reported on credit.
Product: Credit card or prepaid card

EXPERIENCED ISSUES WITH THE PENNSYLVANIA UNEMPLOYMENT DEBIT CARD I HAVE WITH RELIACARD AND U.S. BANK. MOST RECENTLY, THEY HAVE NOT REFUNDED A CHARGE FOR {$1100.00} WHICH WAS MISTAKENLY MADE BY XXXX XXXX XXXX XXXXXXXX. WHILE ATTEMPTING A GOOD FAITH PAYMENT OF {$100.00}, XXXX XXXX CHARGED MY RELIACARD FOR THE AMOUNT OF {$1100.00}, THIS OCCURRED ON XX/XX/21. I IMMEDIATELY CALLED XXXX XXXX AND WHILE THEY ACKNOWLEDGED THEIR MISTAKE, THEY REFUSED TO CANCEL THE CHARGE AND I HAVE FILED A COMPLAINT WITH THE PENNSYLVANIA PUBLIC UTILITIES COMMISSION. AFTER CONTACTING XXXX XXXX, I CALLED RELIACARD CUSTOMER SERVICES. THEY KEPT SWITCHING ME TO DIFFERENT REPRESENTATIVES AND THE LAST ONE I TALKED TO SAID HE COULD NOT REFUND THE {$1100.00} EVEN THOUGH THEY DID NOT EVEN ATTEMPT TO CONTACT XXXX XXXX WHO COULD HAVE CONFIRMED THEIR BIG DOLLAR MISTAKE. THE REP SAID THE RELIACARD ESCALATION TEAM WOULD REVIEW THE SITUATION AND POSSIBLY REFUND THE $ XXXX WITHIN 5-10 BUSINESS DAYS. I FIND THIS TO BE AN OUTRAGEOUS SITUATION AND ONE THAT IS VERY LIKELY ILLEGAL AND SHOULD BE IF IT IS NOT. I AM A XXXX XXXX XXXX XXXX XXXX RECIPIENT WHO WILL PROBABLY NOT BE ABLE TO PAY MY BILLS INCLUDING RENT WHICH COULD LEAD TO POSSIBLE EVICTION AND MY UTILITY BILLS WHICH COULD LEAD TO SHUTOFF ( S ) THIS IS NOT MY FIRST PROBLEM WITH RELIACARD CUSTOMER SERVICE. ON XX/XX/21 AND XX/XX/21, I WAS UNABLE TO USE MY CARD FOR THREE DIFFERENT TRANSACTIONS EVEN THOUGH I HAD AT LEAST {$900.00} IN MY ACCOUNT. BY THE WAY, I AM CURRENTLY DOWN TO {$6.00} DUE TO THE MISSING {$1100.00}. I CALLED CUSTOMER SERVICE AND THEY SAID THE CARD WAS LOCKED DUE TO A POSSIBLE FRAUD INVESTIGATION EVEN THOUGH THERE HAD BEEN ABSOLUTELY NO SUSPICIOUS ACTIVITY ON MY CARD. THEY SAID THAT WAS NOT ENOUGH TO UNLOCK MY CARD AND TEXTED ME THAT I NEEDED TO VERIFY MY IDENTITY. I DID SO WITHIN MINUTES BY SUBMITTING A PHOTO OF MY DRIVERS LICENSE AND A REQUESTED SELFIE BUT MY CARD REMAIN LOCKED. WHEN I CALLED CUSTOMER SERVICE AGAIN, I WAS TOLD IT WOULD TAKE 48 HOURS TO UNLOCK MY CARD SO I MISSED SOME BILL PAYMENTS, RECEIVED SOME LATE FEES AND WAS UNABLE TO BUY GROCERIES ETC. WITH THE CARD. I AM NOT THAT TECH-SAVVY BUT THEIR COMPUTERS COULD HAVE VERIFIED MY IDENTITY IMMEDIATELY. I FEEL THAT RELIACARD IS DESPICABLE WITH THESE KINDS OF INCIDENTS AND WHATEVER THEIR RELATIONSHIP IS WITH U.S. BANK, THAT APPEARS TO BE A POSSIBLE CULTURE OF SCAMS LIKE THESE.
Product: Checking or savings account

I am getting a new debit card in the mail. Its the weekend banks are closed today Sunday XX/XX/2021. I can not access MY OWN money from wells fargo because the phone number on file, which is mine, Is not verified and i can not access the digital wallet. I explained to them I have a XXXX  and Im trying to take out my money because we obviously cant starve. They told me wait until tommorow. I said no I want my money today. Wells Fargo couldnt verify my identity through the phone even though i provided everything, my social, my address, account number, phone number. So Im stuck here at home trying to borrow money from anyone since wells fargo doesnt let me take out my OWN money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a US citizen who moved the UK to attend university in XXXX and have lived full time in the UK from XXXX to XXXX. 

It is XXXX now and am returning to the USA and have been offered a position in the finance sector. The employer has processed a background check for me including pulling my credit report of which i have had no need to check as I have not needed to use my credit. 

It has been discovered that I have two fraudulent credit card accounts opened in my name from XXXX, 2 years after I had already begun to live in the UK. One of the cards had been used up until XXXX and the other up until XXXX before being charged off and transferred to a company called Portfolio Recovery XXXX. 

Acct XXXX Balance {$2200.00} Open date XX/XX/XXXX Charge off date XX/XX/XXXX XXXX XXXX Acct XXXX Balance {$3500.00} Open Date XX/XX/XXXX Charge off date XX/XX/XXXX I can attest that these are not my accounts and that I had no knowledge of opening them or using them to my benefit. These are fraudulent credit card accounts and would like them to be removed from my credit report immediately
Product: Debt collection

This complaint involves the company Diversified Consultants Inc. I am constantly being harassed and receiving phone calls almost every day in regards to collecting a debt that I do not owe. Diversified Consultants Inc. states that I owe a debt in regards to a cable debt. 

Diversified Consultants Inc. called me several times a day with different phone numbers, never leaving a voice mail, and I do not owe them any money, nor am I attached to any account that they deem is delinquent. 

I have received phone calls from Diversified Consultants Inc. from XXXX on : XX/XX/XXXX at XXXX XXXX

XX/XX/XXXX at XXXX XXXX

XX/XX/XXXX at XXXX XXXX

XX/XX/XXXX at XXXX XXXX

XX/XX/XXXX at XXXX XXXX

I have also received phone calls from Diversified Consultants Inc. from XXXX on : XX/XX/XXXX at XXXX XXXX

XX/XX/XXXX at XXXX XXXX

XX/XX/XXXX at XXXX XXXX

XX/XX/XXXX at XXXX XXXX

I have also received phone calls from Diversified Consultants Inc. from XXXX on  : XX/XX/XXXX  at XXXX XXXX

XX/XX/XXXX at XXXX XXXX

XX/XX/XXXX at XXXX XXXX

XX/XX/XXXX at XXXX XXXX 

I am going to litigate if I continue to receive unsolicited phone calls from the Diversified Consultants Inc. and any variations of phone numbers that they are calling from. This is beyond absurd, and is extremely out of hand. 13 unsolicited phone calls in one month is ridiculous.
Product: Credit card

Had a 2 free interest card. Instead of making the payments to be completed at the 2 year mark, synchrony put the 30 percent interest on the card after 2 years to make my balance nearly doubled! 

When this came due I was in the XXXX  with XXXX and was not aware that the 2 year period ended. 

Who keeps track of what is due in 2 years! Especially during a pandemic! This is an intentional process by synchrony to double all balances with hidden excessive interest charges that are hidden behind so called interest free cards!