23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

On XX/XX/2023 I purchase two XXXX XXXX gift cards worth {$500.00} each at the XXXX XXXX # XXXX XXXX XXXX XXXX. XXXX, FL XXXX. I attempted to use the cards on XX/XX/2023 and they didnt work so I called the number on the back. 
They told me to send a picture of the receipt, the cards front and back, and a photo I.D . Which I did. I was told it would take up to 30 business days. Its been well over 30 business days and still no replacements Upon calling today XX/XX/2023 customer service was rude to me and asked me to wait another 30 days. These are violations which are resulting in injury to me and my family.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Accounts listed on Transunion Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  companies 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 XXXX XXXX  ( XXXX   ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX   ) XX/XX/XXXX XXXX XXXX XXXX  XXXX  ( XXXX   ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX   ) XXXX XXXX, XXXX XXXX XXXX  XXXX  ( XXXX   ) XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX  ( XXXX   ) XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX  ( XXXX  ) XXXX XXXX, XXXX XXXX  XXXX ( XXXX  ) XXXX XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX XXXX, XXXX XXXX XXXX  ( XXXX  ) XX/XX/XXXX XXXX XXXX  ( XXXX  ) XX/XX/XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX  ( XXXX  ) XX/XX/XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX  XXXX XXXX  XXXX  ( XXXX  ) XX/XX/XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX
Product: Mortgage

WELLS FARGO VIOLATED " FCBA '' AND TRUTH-IN-LENDING ACT WITH NOT PROVIDING UNEXPECTED NOTICE RECEIVED NOT IN TIMELY MANNER AS REQUIRED PER STATED ABOVE PROVISIONS, COMPANY SENT INCORRECT DATA OF MORTGAGE ESCROW, COMPANY OVER CHARGES / FEES AND PAYMENT
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, and I have right under 15 USC 1681.

Equifax is governed by USC 1681. And they have violated my rights numerous times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and did not give Equifax, XXXX, and XXXX written permission to furnish these accounts. I reached out about my accounts and wrote letters that have not been deleted. I sent a letter to Equifax, XXXX, and XXXX here is my tracking number... However, the credit bureaus said they completed an investigation and everything is 100 % accurate. 

I also have received removals from one credit agency but not the other agencies. In accordance with the Fair Credit Act, everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my accounts were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. The grounds for removal they also violated my rights under 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 an account without my written instruction XXXX XXXX both accts ) XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( both accts ) XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payment Reporting on Account # XXXX Dear CFPB, I am writing to formally dispute inaccurate information being reported on my credit file regarding the XXXX  account ( # XXXX ). According to the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy of the information reported and to investigate disputes promptly. 
Upon reviewing my credit report, I found that the payment status for this account continues to indicate " 30 days late, '' which is inaccurate. I have consistently made on-time payments for this account, and I have attached relevant documentation to support this claim. 
Here are the details of the account : High Balance : {$2000.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : Not Available Account Rating : Paid Account Status : Closed Payment Status : Late 30 Days Creditor Remarks : Consumer disputes- reinvestigation in progress ; Closed or paid account/zero balance Two-Year Payment History : Indicates " OK '' for all months but continues to show a " 30 Days Late '' status inaccurately. 
I request that Equifax provide a detailed description of the investigation procedure conducted to verify this account 's payment history, as required under 15 USC 1681i ( a ) ( 7 ). Furthermore, I request documented evidence supporting the late payment claim, including specific dates, amounts, and correspondence that validate this reporting. 
In the absence of valid evidence, I demand that the payment status for this account be updated to " Paid As Agreed Never Late '' immediately. Failure to comply with this request within the 30-day timeframe outlined in the FCRA will constitute a violation of my rights as a consumer. 
Thank you for your prompt attention to this matter. I look forward to your response and resolution. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card

I had automatic payments set up on my credit card. Without notifying me, Bank of America canceled them. I didn't receive a notice until it was 30+ days overdue. At that point I paid the full balance. They claimed they didn't know why it happened but admitted fault by refunding the late fee. They refused to do anything about the report to the credit bureaus. 

This happened again about 5 months later. I had a balance of {$21.00} owed on the card, and again the auto payments were canceled and it became past due. This was again reported to the credit bureaus. 

These are the only two late payments in my entire 20+ year credit history. I've uploaded a XXXX  copy of the chat I had with BofA support, which acknowledges that they did cancel the auto payments and refunded the late fee.
Product: Debt collection

On XX/XX/XXXX I had an on the job injury to my XXXX XXXX. Per protocol, I was taken to the ER at XXXX  XXXX XXXX XXXX. I later received a bill for {$300.00} for the visit. 
On XX/XX/XXXX, I forwarded the bill to the Department of Labor and again XX/XX/XXXX. This is the first time I am hearing any type of communication from this collection agency. Account Services is now reporting this as negative account on my credit report. In addition to a significant drop in my score, this erroneous information will flag my military XXXX XXXX and put in my career in jeopardy. I do not owe this debt as it is a Worker 's Comp/ DOL billing issue and I need it removed immediately.
Product: Vehicle loan or lease

XX/XX/XXXX *CHAPTER XXXX BK DISCHARGED AUTO LOAN DEBT AS EXEMPT " SANTANDER AUTO LOAN BALANCE OF {$22000.00} UPSIDE DOWN DEBT FOR XXXX XXXX XXXX XXXX XXXX PURCHASED ON XX/XX/XXXX FOR {$17000.00} WAS DISCHARGED '' XX/XX/XXXX *SANTANDER SENT ME " NOTICE OF INTENT TO ACCELERATE AND REQUIREMENT OF STRICT COMPLIANCE '' LETTER ADVISING DEFAULT OF CONTRACT STATING LATE ON MAKING PAYMENTS DEMANDING PAST DUE AMOUNT OF {$2700.00} BY XX/XX/XXXX -- MY ATTORNEY ADVISED ME SAME DAY TO DISREGARD THE LETTER BECAUSE IT VIOLATES BANKRUPTCY DISCHARGE LAWS XX/XX/XXXX *XX/XX/XXXX XXXX XXXX WAS STOLEN FROM MY DRIVEWAY, IN THE MIDDLE OF THE NIGHT, BY AUTO REPOSSESSORS HIRED BY SANTANDER.. MY SON HAD DRIVEN HOME FROM COLLEGE THAT WEEKEND ON EMERGENCY MEDICAL LEAVE FROM UNIVERSITY OF XXXX WITH ALL OF HIS BELONGINGS STILL PACKED IN HIS TRUCK, WHEN WE WOKE UP THAT SUNDAY MORNING TO FIND EVERYTHING GONE -- MY ATTORNEY ADVISED ME SAME DAY, THATS NOT LEGAL, BUT NOTHING WE CAN DO NOW XX/XX/XXXX *LETTER FROM SANTANDER STATES DECLINED FOR VEHICLE LOAN DUE TO " PREVIOUS REPOSSESSION '' XX/XX/XXXX *DECLINED AUTO LOAN BY XXXX XXXX, SANTANDER AFFILIATE XX/XX/XXXX *CREDIT INQUIRY FROM SANTANDER AUTO DECLINED APPLICATION FOR AUTO LOAN XX/XX/XXXX *OFFICIAL DOCUMENT LENDER PRE-APPROVAL FROM GOVERNMENT APPROVED LOAN TO ASSIST WITH AUTO LOAN QUALIFIED BY SPECIAL LENDING FROM BANKRUPTCY DISCHARGE DIVISION WITH XXXX DOWN PAYMENT ONLY NEEDING COPY OF TDL WITH PROOF OF INCOME DECLINED BY SANTANDER AS THE SPECIAL BANKRUPTCY DISCHARGE LENDER IT'S BEEN THREE YEARS AND FIVE MONTHS SINCE BANKRUPTCY DISCHARGE AND I STILL CAN NOT OBTAIN AN AUTO LOAN DUE TO SANTANDER FLAGGING ME TO ALL OTHER LENDERS AS A REPOSSESSION AFTER BK DISCHARGE WITH AN ATTEMPT TO COLLECT DISCHARGED DEBT ON VEHICLE THEY TOOK WITHOUT LEGAL COMPLIANCE TO BK RULES.
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 {$10000.00}, {$21000.00}, {$25000.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX, and the subsequent response received on XX/XX/XXXX, enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information, you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$21000.00} -This is not my account. 


-- PERSONAL ACCOUNT -- 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$25000.00} -This is not my account.
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 accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 : 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
Product: Debt collection

They sent a letter charging the amount of {$300.00}, with the same information that if I didn't agree, I should pay it off by XX/XX/28, otherwise I would agree and assume the debt. However, it has already been paid!
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue is an existing problem which Equifax wasn't able to resolve..They provided an itemized printout of what they claim is my billing statement..An itemized printout does not represent verification.. CFPB please fix the account and remove the bankruptcy reported on the accounts XXXX/XXXX   XXXX, XXXX  XXXX,
Product: Debt collection

HEIS & WENSTRUP CO., L.P.A., by and through its President, XXXX XXXX, XXXX, is violating the FDCPA by : 1 ) continuing to attempt to collect a debt in the name of " XXXX XXXX XXXX against " XXXX XXXX '' that he knows was disputed in writing on XX/XX/22 ; on XX/XX/22 -- listing 29 sections of the FDCPA it/he has violated with a Cease and Desist Demand ( EXHIBIT ) ; on XX/XX/22 ( to it/him with a 95-page Response disputing the debt and again demanding Cease and Desist ( EXHIBIT ) ; and again on XX/XX/22 ( at XXXX XXXX, XXXX XXXX, EXHIBIT ), harassing and upsetting XXXX XXXX ; 2 ) involvement with the issuance of an Eviction Notice on XX/XX/22, directed to harm, retaliate against, and dislodge XXXX XXXX, acts coordinated with XXXX XXXX conflicted and abusive administrator/Board member/third-party contractor, XXXX XXXX, specifically for XXXX  ' not paying the debt in XXXXhe name of XXXX XXXX ( EXHIBIT ) ; 3 ) contacting a third party ( me, XXXX XXXX, XXXX XXXX ' POA ) about XXXX XXXX debt and harassing me XXXX and 4 ) a XX/XX/22 Letter ( EXHIBIT ) of the conflicted, unethical and unprofessional HEIS & WENSTRUP CO., L.P.A., signed by XXXX XXXX, setting a meeting over the disputed debt and Eviction Notice not requested of XXXX after many demands to cease and desist communications about the disputed debt, which they/it can not justify, but persists in harassing XXXX XXXX and me.
Product: Debt collection

Sent letter by XXXX on XX/XX/2020 and by certified mail on XX/XX/2020 to Commonwealth Financial Systems for two items that appeared on my credit report in XX/XX/2020. I requested verification that the debt was mine in the form of my signature. I received itemized statements for both. The statement for {$1400.00} not only does not contain my signature, it also does not contain my name. The statement for {$290.00} does not contain my signature. My name is typed on it and under it a XXXX XXXX XXXX XXXX  policy number that does not belong to me. Since mailing Commonwealth these letters I have begun to receive phone calls from a company called XXXX for the {$1400.00}. So, I am wonder if they " sold '' this since receiving my letter although they are still reporting it the credit bureaus.
Product: Checking or savings account

I reported my debit card stolen/lost, in which my account should be locked. However, two days later, someone had pulled out all my savings and checking, which accumulated to {$3000.00}. When I contacted the bank they had no explanation on how this was possible since my old card was inactive and have not yet received my new card. They also made a phone transaction and stole {$1500.00} from my account. The bank now says I have to wait 10 days before anything happens, although this was their fault for failing to protect my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX ( account # XXXX ) ( account # XXXX ) ( account # XXXX ) ( account # XXXX Have violated my rights. 

15 U.S.C. 1681 section 602H states I have the right to privacy.

15 U.S.C. 1681 section 604H section 2 States a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ex husband married woman with same name as me, spelled differently ( XXXX ) and different middle initial ( XXXX  ). Collection agencies are sending her notices to my new address, having changed the spelling of her first name to mine. They are also calling me, even though my phone is not listed nor has it ever been under my name. I dont understand how they got it. I am remarried with a new last name. I do not want her debts to be attached to my name, or worse, to my new husband. My old and new last names are connected to her on many people search sites as well. This is very frightening ; it causes me much stress. 
Also, I have not been able to reach an actual live person at any credit reporting agency to get answers to my situation. 

Any help would be greatly, greatly appreciated Thank you XXXX XXXX  XXXX Her present info is : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX  XX/XX/1956 XXXX
Product: Vehicle loan or lease

Greetings. I opened up an account with Santander Consumer USA in early 2013. I purchased a vehicle and was making monthly payments. The vehicle was repossessed. After speaking with the bank while the car was being towed, they told me that paying the balance would allow the repo men to leave the vehicle. I paid the balance right then and there, and the representative then informed me she could not legally make them put the vehicle down AFTER charging my bank card. The vehicle was then repossessed and hit my credit. After talking to three different agents, I went a week without a vehicle as I was playing phone rage with Santander and towing company who says I was never paid. After receiving the vehicle, the vehicle was totaled. I had gap insurance on the vehicle which was supposed to cover the depreciation value. ( XXXX ) now Santander is saying that I still owe them {$3600.00} dollars on a vehicle that was paid for! This issue is now stopping me from purchasing a home and vehicle for my growing family. I have reached it numberous times to no avail.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX  XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXhas 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
Product: Credit card

In XXXX, XXXX and XX/XX/2021 I became extremely XXXX with XXXX. I was hospitalized in later XXXX to early XXXX, then on XXXX XXXX, Following my hospitalization I was on XXXX medications and weekly XXXX XXXX for my XXXX because I am XXXX. In XXXX I had a XXXX and my XXXX closed again. During this time I was unable to work, I was isolated and unable to pay my bills, leave the hospital or my home. I one point I cound n't even speak. Prior to this my payment history was stellar 100 %, Under the CARES act and due to the pandemic I should have been offered a solution or my credit history not reported late as I got caught up as soon as I could. I have made several attempts to reach out to all of my creditors, via complaints, calls, letters and filing online with little to no success.
Product: Debt collection

in XXXX i ended my service with XXXX. In XXXX they said and they being XXXX  i could pay XXXX per month cause i did not want to damage my credit. so in XXXX and XXXX and XXXX. XXXX took out XXXX per month on a bankdraft. Then last night i got a alert that XXXX  sent my credit in to bureau for XXXX. I called XXXX  and they said it was due to early termination nut i was a customer for 4 years then they told me that it was the people they use for collection called recievable maanagment that took the payments and set up arrangment so i called them and they said they sent me a letter. They together have lied and made false claims i was trying to do the right thing and make payments and now they made up this claim about another fee which is not true. I am a XXXX  mother with XXXX XXXX  children i live on XXXX alone .They are scamming money from me after i already paid them my credit is ruined now and dropped XXXX poinst because of this and then they told me if i would start my service back with them it would go away. That is XXXX XXXX  thank you XXXX XXXX my XXXX  account number is XXXX and my Recievable performance account number is XXXX my phone number is XXXX
Product: Mortgage

Seterus Inc is 30 days behind on mortgage payoffs. Requests have been made by myself ( via phone and their website on XXXX/XXXX/15, XXXX/XXXX/15 & XXXX/XXXX/15 ) and by the title company doing our closing ( I do not have the dates they requested payoff ). Website states 3 days for payoff, phone states XXXX to XXXX days but when I spoke to a representative today, he stated they are at least 30 days behind, as a result we can not close on the house and the buyers may back out. Multiple websites reflect poor reviews on payoff requests. On top of that Seterus is a debt collector, not a mortgage servicer and they treat you as such regardless if you make your payment on time and pay more than what is required. By far the worst company XXXX could have chosen to service their loans!
Product: Debt collection

IQ DATA INTERNATIONAL continue to call me everyday after I've disputed and tried to cease all communication, but law 15 usc 1692c states that " If a consumer notifies a debt collecter that the consumer refuses to pay a debt the debt collecter must cease all communication. '' IQ DATA INTERNATIONAL also doesn't have my written wet consent meaning that account is opened fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to resolve these accounts and I asked for them to be removed but they keep raising the price up XXXX XXXX XXXX XXXX XXXXXXXX i dont know what that is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I dont even know this company XXXXXXXX XXXX XXXX XXXX In accordance with the fair credit reporting act