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

i did not receive a 5 day notification that this information ( XXXX XXXX XXXX ) will be reporting to my consumer profile ( Equifax ), also this information in fraud ( aggravated fraud ). XXXX  XXXX XXXX is reporting information without my consent and is only reporting to one reporting agency. Equifax has been informed on a few attempt to remove this info Equifax is violating 6 FCRA compliances. 

EVIDENCE IS ATTACHED BELOW IVE COMPLAINED TO XXXX ABOUT THE REINSERTION OF XXXX XXXX  XXXX ALSO THIS IS THE SECOND TIME DISPUTING THIS INFORMATION Section 607 - Compliance Procedures : This section outlines the responsibilities of consumer reporting agencies ( CRAs ) to ensure the accuracy and completeness of the information they collect and report. CRAs must establish and maintain reasonable procedures to ensure maximum possible accuracy and completeness of the information in consumer reports. 

Section 611 - Procedure in Case of Disputed Accuracy : This section outlines the process for consumers to dispute incomplete or inaccurate information on their credit reports. It requires CRAs to conduct a reasonable investigation of disputed information and correct or delete any information found to be incomplete or inaccurate within a specified timeframe. 

Section 612 - Charges for Certain Disclosures : This section specifies that consumers are entitled to one free copy of their credit report from each CRA every 12 months upon request. If a consumer disputes incomplete information and a corrected report is requested, the CRA must provide a free copy of the corrected report. 

Section 616 - Civil Liability for Willful Noncompliance : This section establishes civil liability for CRAs and furnishers of information for willful noncompliance with FCRA requirements, including the reporting of incomplete or inaccurate information. Consumers may be entitled to damages in cases of willful noncompliance. 

Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies : This section outlines the responsibilities of entities that furnish information to CRAs. Furnishers must provide complete and accurate information and conduct reasonable investigations when notified of disputed information by CRAs. 

Section 631 - Public Record Information for Employment Purposes : While primarily focused on consumer reports used for employment purposes, this section also emphasizes the importance of accurate and complete public record information in consumer reports. 

These provisions collectively ensure that consumers have the right to accurate and complete information in their consumer reports and establish procedures for disputing and correcting incomplete or inaccurate information. If you believe that incomplete information on your consumer report violates any of these FCRA provisions, you can take steps to dispute and correct the information with the relevant CRA.
Product: Debt collection

In  XXXX    XXXX   we contacted  XXXX   XXXX  to install service in our home. The technicians they sent us either were too lazy to fix the problems or they were incompetent. Finally after th e Manager  of the local office,  XXXX   XXXX  got involved he personally had technicians come out and get our services up and running. This took a total  of 7-8 wee ks of frustration and consistent calling on our behalf to get it done.      XXXX  gave us a whopping {$30.00} credit for our trouble. We continued to pay our bill but when our contract was up we delivered their equipment to them and and told them that whatever else was owed was on them for our two months without adequate service and sometimes no service at all.     They are attempting to collect the " outstanding balance '' and uses  XXXX  to come after us for it. After we detailed the trouble we had the first two months with  XXXX  they refused to continue collection efforts.  XXXX  now 'sold ' debt to someone else and they are contacting us. We will not stand for this over and over again.
Product: Prepaid card

So, I Recently got an {$50.00} American Express Gift Card as a gift from a friend of mine. I went online and activated it so i could be able to use it online, and in stores. However, XXXX ( XX/XX/2023 ), I tried to buy some digital currency for a game, But it wasn't allowing me to purchase anything. I checked the balance on my card and noticed that every time i tried to purchase something from XXXX, I'd get charged XXXX cents. I previously had {$50.00}, and now i have {$49.00}. I had XXXX cents taken out of my account from failed purchases. I tried to use the card on XXXX instead, but it was still not letting me purchase anything, giving me an error saying that something was wrong with my card. I even tried to go to a store to purchase a snack for myself, but i was never able to. I contacted the number on the back of the account so that i could see if my card was actually activated, and it was. My purchases just weren't going through. I went online and did more research and found out that i wasn't the only one having this issue, and many people haven't found a fix to it yet, so i decided to file a complaint for it.
Product: Checking or savings account

Someone opened bank accounts in my name fraudulently with US Bank, XXXX XXXX, and XXXX that I know of. They also opened received a personal loan for {$35000.00} fraudulently from XXXX XXXX XXXX and attempted to open line of credit with Citizen Bank. Also opened credit cards with US Bank and XXXX. They also made purchases on my XXXX XXXX for over {$4000.00}. In addition, they also accessed the 3 credit bureaus and made changes to my personal information as well as filed fake consumer reports with the bureaus with fraudulent phone numbers. Scammers also forwarded my mail to an unrecognized address. This has all occurred during the month of XX/XX/2022. 

I have taken actions by filing disputes with all the banks and lenders that I am aware of that had fraud. Also placed freezes and filed security alerts with all 3 credit bureaus and check systems. Also added extra layer of security with my current banks and lenders with verbal passwords. Notified and cancelled the mail forwarding request with the Post Office. Also signed up for credit monitoring services to combat further identity theft.
Product: Student loan

Tried paying loan installment  XXXX , tried paying full loan amount on  XXXX  and  XXXX  using online payment. Used correct information for banking. All three transactions had correct information to process transaction. All three times transaction disappeared from their website without processing. Tried calling during business hours, no one ever answered. No communication given as to why transaction did not process.
Product: Debt collection

I keep getting calls from a key locating service from Arizona, thats how they explained it to me. They call, sometimes, several times a day with different phone numbers. When I confronted the caller she said, oh its different services, they use. Most times, when they call and I answer, they just hang up. When I do get an answer, they are abrupt and aggressive about me identifying myself with personal information, so they can continue the conversation, is what they tell me. When I do not provide personal information they become almost threatening saying Ill be hearing from them in this litigation matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account a 30 day late payment on my credit report when it was never late
Product: Credit reporting or other personal consumer reports

The fact that this account was considered a charge off and this company never sent me a 1099C as well as 42 USC 408 you are never supposed to ask for a social security number on any loan it's fraud and a violation of RICO. My information was exposed in the data breach and you need to remove this from my report. Do not to turn my dispute into a 30 day dispute and under section 605b, this needs to be removed within 4 days
Product: Credit reporting or other personal consumer reports

I am formally disputing inaccurate late payment entries on my credit report for my XXXX XXXX account. Despite my adherence to a payment plan that reduced my monthly payments and included a {$150.00} payment made on XX/XX/year>, which was processed successfully, XXXX XXXX has misreported my payment history. This error directly violates my rights under federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), which mandates accurate and verifiable reporting. Notably, XXXX, XXXX of the XXXX major credit bureaus, has already corrected its reporting to reflect no late payments, as evidenced by the attached documentation. These inaccuracies have caused undue harm to my creditworthiness and financial opportunities. I urge XXXX XXXX to immediately correct these errors, ensure compliance with the law, and provide confirmation of updated reports to all affected parties. Failure to resolve this matter will prompt further action with regulatory authorities to protect my rights. 
I have attached all supporting documentation, including evidence of the payment made on XX/XX/year>, history of internal reporting of payment and their inconsistency, proof of my payment plan enrollment, my social security card, my id, my most recent bill ( proof of address ) and a screenshot from XXXX reflecting accurate reporting. Please address this dispute within the XXXX period required by the FCRA.
Product: Credit card or prepaid card

I received an email for 0 % interest on balance transfers for 18 months with my capital one venture one credit card. I filled out info and did the transfer in XX/XX/XXXX but when i received my XX/XX/XXXX statement i was charged 16 % interest. I called the customer service line on XX/XX/XXXX and was told that it should be no interest on the next statement but for this billing cycle i have to pay the interest charge even though its supposed to be 0 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

We voluntarily gave back a car we were financing back in    2015. O nce we gave the car back we contacted about the amount owed on the car. My husband and I paid {$3500.00} to satisfy the amount with  XXXX   XXXX  and the agreement we signed says it will be updated on the credit report as satisfied paid and   XXXX   balance . ( l etter agreement attached ) We were not told it will be a charge off. It should never been reported as a charge off when we voluntary gave the car back and the company sold the car for a high amount. Sinc e   XX    2015 we ha ve been going back and forth about how it is reporting on our credit. It shows as a charged off account in the amount of {$14000.00} and a balance of {$14000.00}. I attached emails where the lady from  XXXX   XXXX   XXXX  said she already reported it to the credit company as " paid with {$0.00} balance ''. F or 2 1/2 y ears now this account on our reports have caused us to be denied auto loans, home loans, and credit cards. We thought we were doing the right thing by settling and working with  XXXX  and  XXXX   XXXX . I feel it was against the law the way it has been reporting on our reports for the last  2 1/2 y ears and since they sold the car for over {$10000.00} and collected {$3500.00} from us they actually doubled up on amounts and possibly reported the charge off on taxes as {$14000.00} when really they got money for the car from the sale and us. I also called a gentleman a month ago and he told me this will remain how it is on the credit and they will not change it ... Even though I have the proof from  XXXX  that she will report it as paid satisfied with a  XXXX  balance ... I never knew how I could solve this issue so I hope going through CFPB we can get resolution on this case. I attached some documents as proof from  XXXX   XXXX .
Product: Checking or savings account

I have sent multiple complaints to CFPB about Wells Fargo, I am really not sure what the point is since CFPB basically allows the company you are complaining about to police themselves. Apparently we live at the mercy of major corporations who can behave in anyway they want without consequences. 

Wells Fargo ADMITTED TO ME that they made a mistake and debited my account {$1400.00} wrongfully but has YET to rectify this! Theyve been charging me fees on top of that! Its totally ridiculous and messed up. Ive tried to close my accounts but I cant until they resolve it!
Product: Vehicle loan or lease

On XX/XX/XXXX I returned my XXXX  leased vehicle to my XXXX dealer. The lease was financed through GM Financial. As part of the agreement to re-lease a newer vehicle, the dealer took care of the negligible mileage overage and it was a clean return. This was confirmed by GM Financial on multiple occasions, both in writing and later by phone. In XX/XX/XXXX I received a phone message from an unidentified caller asking me to call back, never saying who they were with or the nature of the call. I believed it to be a spam/scam call. When I received the call again in XX/XX/XXXX, I did return the call to find out it was GM Financial. Note : I have two current leases with GM Financial and have never been late on any of them. Initially, the representative could not determine why their system had prompted them to contact me, as my accounts showed current. Upon further investigation they showed a $ XXXX remaining balance on my RETURNED lease account but indicated that it should have previously been removed from the account and apologized for their oversight. It should also be noted that at NO time has GM Financial sent me anything indicating that I owed anything on the returned lease. On the phone, they indicated that the {$5.00} charge was due to an error on their end. I was assured it would be corrected. It was not until I inquired further, that it was revealed to me that our account ( my husband is co-owner ) had also been negatively flagged as late for the past several months and reported to the credit reporting agencies. I was assured at the time that the account would be cleared up preventing further negative ratings and that the erroneous negative delinquencies would be corrected. To date, I do not believe this has occurred and am unable to get resolution through GM Financial. I received another unidentified caller message again today. So I can assume they are once again calling because it still shows " late '' in the system. Our previously excellent credit rating has dropped considerably. We have had long-existing credit cards which have lowered our limit due to our negative rating.
Product: Prepaid card

I have an American Express card I bought from XXXX XXXX but I tried using it online and it doesn't work I have XXXX on it - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two banks that I have provided to them that was identity theft and the fail to remove them they are the XXXX XXXX XXXX XXXX and XXXX XXXX. I have provided them my ftc report that Im attaching again to this complaint.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX || Date : XX/XX/2023
Product: Debt collection

In XXXX of 2021 I received a letter from Southwest Credit systems stating that I owe a XXXX phone bill. I responded within 30 days asking for debt validation. They sent me a copy of a statement from XXXX that has no signature from anyone. I noticed that the copy they sent me is the same one that was sent to me previously from another collection company named XXXX XXXX. They could not validate the account either. I sent another letter to Southwest Credit asking for full validation or the removal from my credit report. I also stated to them that I am in the middle of a major purchase that relies heavily on my credit score and by them reporting this to my credit report may have put this purchase in jeopardy. Southwest credit just sent a copy of the same statement again with no kind of respone to what I had explained to them. I have called XXXX several times asking about a bill in my name and they told me that I do not have any outstanding bills with them. Southwest Credit has not contacted anyone at XXXX and they are just getting their information from a fraudulent statement that can not be verified. They can not prove the account number, the amounts or anything else about this account. They are going by the information they received from XXXX XXXX. They haven ; t shown me any documents showing that they have been contracted by XXXX XXXX to even try to collect on this account. Southwest credit put this account on my credit report the day they signed for my validation request
Product: Mortgage

I was seeking a modification on my mortgage about four ( 4 ) years ago with this mortgage service company. However they set me up on a payment plan that I am not able to maintain. They said that they would do a modification about 2 years ago, but have been stringing me along ever since. I am eighty ( XXXX ) years of age with my only income from S/S of $ XXXX monthly. My house note is {$1100.00}. I had been maintaining the payments with the help of my daughter until she recently became unable to assist me. I want to keep my home.
Product: Credit card

XXXX  XXXX XXXX XXXX  company pressurized me to buy a travel certificate for {$290.00} promising that it will give 50 % discount on my next travel. It neither give me discount but it does not even work, It says invalid certificate. The merchant is fraudulent, I requested Bank Of America to reverse that transaction but they did not.
Product: Debt collection

XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Sent me a false copy of a civil warrant in debt. It contained no case number just company information and a false date and time for court. I checked with the court and no such case exists. I called this company bringing this to their attention and they said they couldn't continue the call and hung up. The debt is valid however they made a threat to sue by providing a forged court warrant.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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 also states a consumer reporting agency can not furnish a account without my written instructions. 

Reporting multiple amounts as well.
Product: Credit card or prepaid card

XX/XX/XXXXon my bank statement shows a mysterious transaction in which someone or somebody went to a ATM of in the city of XXXX California and checked the balance in my account no money was withdrawal. 

XX/XX/XXXX I go use the ATM across from where I reside in the city of XXXX California. I couldn't withdrawal money On the receipt in which I have as part of my evidence said " that I " already reach the limit of withdrawals for the day '' XX/XX/XXXX I quickly called the bank and {$1000.00} where withdrawan from my account in the city of XXXX california. When I had the card with me all day long, neither have I gone to those cities I only have one debit card. 

XX/XX/XXXX I spoke to a representative of the bank around XXXX told them about what happened when I went to used the ATM that's a cross the street from me. 
The card was cancel and I was sent a new cardXX/XX/XXXXI called the bank to put my claim of fraud because someone has access to my account, once I spoke with the bank costumer service. I was told the following 1 ) I would get transfer to the Fraud Dept ... after I got switch an answering machine goea '' All circuit are busy now message " '' '' '' ' 2 ) a female operator answer and said to call back in an hour or so because the system is down. Their website did not said anything about maintenance the system 3 ) a male operator while verifing my information asked me for my security question and he said " no '' that's not it let me transfer you.. call get disconected 4 ) I speak to a female representative and gets quiet silence so I go hello.. hello. Can you hear me..hello over and over I say it ..silence for 20 second or so then I hear the representative going at this moment we can not heard you please call back '' I keep saying hello miss I can heard you 5 ) I get transfer to frauds " all circuits are busy now " I get disconected A total of 7 calls were made from XXXX to XXXX XX/XX/2020 I called 3 times between XXXX XXXX XXXX XXXX XXXX I got the message " all circuits are busy now to let me transfer you to Frauds Delay ...

After 30 minutes on hold I explain the operator and tells me let me transfer you. In which State? Then she goes I'm transferring you now .... Just for the call to get disconected I tell the bank that there's been debit card fraud someone stole information of me and uses it to commit fraud ... The operator goes since you don't have a checking account there's nothing he can do to help me. " Your account was not open by you coming to the bank, and opening a checking account, your account was given to me.. 

Here 's a bank who someone or somebody stole information of me took {$1000.00} from my account no help? I'm a XXXX  citizen, I'm a human being with rights like all of us.

This bank costumer service cover their eyes and closes their ears for two days I been trying to put a claim for identify theft in which a fraud was made and was committed while I had the card with me at all times. Neither have I gone to those two cities.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent an Opt Out letter to the Credit Agencies and the creditors who have recorded erroneous credit reporting for the accounts listed below : XXXX. XXXX  - {$220000.00} Explanation : I DID NOT AUTHORIZE PAYMENT HISTORY OR CREDIT USAGE HISTORY ACCORDING TO 15 U.S.C. 6802 AND 15 U.S.C. 1692c ( b ). PER MY RECORDS, THEIR INFORMATION IS INACCURATE. 
XXXX. XXXX XXXX {$640.00} Explanation : I DID NOT AUTHORIZE PAYMENT HISTORY OR CREDIT USAGE HISTORY ACCORDING TO 15 U.S.C. 6802 AND 15 U.S.C. 1692c ( b ). PER MY RECORDS, THEIR INFORMATION IS INACCURATE. 
XXXX. XXXX XXXX {$570.00} Explanation : I DID NOT AUTHORIZE PAYMENT HISTORY OR CREDIT USAGE HISTORY ACCORDING TO 15 U.S.C. 6802 AND 15 U.S.C. 1692c ( b ). PER MY RECORDS, THEIR INFORMATION IS INACCURATE. 
XXXX. XXXX XXXX XXXX XXXX - {$3000.00} Explanation : I DID NOT AUTHORIZE PAYMENT HISTORY OR CREDIT USAGE HISTORY ACCORDING TO 15 U.S.C. 6802 AND 15 U.S.C. 1692c ( b ). PER MY RECORDS, THEIR INFORMATION IS INACCURATE. 
XXXX. XXXX XXXX XXXX BANK {$13000.00} Explanation : I DID NOT AUTHORIZE PAYMENT HISTORY OR CREDIT USAGE HISTORY ACCORDING TO 15 U.S.C. 6802 AND 15 U.S.C. 1692c ( b ). PER MY RECORDS, THEIR INFORMATION IS INACCURATE. 
XXXX. XXXX XXXX XXXX BANK {$7000.00} Explanation : I DID NOT AUTHORIZE PAYMENT HISTORY OR CREDIT USAGE HISTORY ACCORDING TO 15 U.S.C. 6802 AND 15 U.S.C. 1692c ( b ). PER MY RECORDS, THEIR INFORMATION IS INACCURATE. 
XXXX. XXXX XXXX XXXX XXXX {$10000.00} Explanation : Account was charged off 1099C WAS FILED, ACCT IS CONSIDERED INCOME. INCOME CAN NOT BE REPORTED. I DID NOT AUTHORIZE ACCOUNT FOR PUBLIC RECORD, PER XXXX U.S.C. XXXX. 
XXXX. DEPT OF EDUCATION {$25000.00} Explanation : PER 20 U.S.C 1232G ( FAMILY EDUCATIONAL AND PRIVACY RIGHTS ) AND 34 CFR 99, MY RIGHTS HAVE BEEN VIOLATED AND MY INFORMATION PUBLICALLY EXPOSSED ILLEGALLY.