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

Not sure where to start with this. I am having problems with Target XXXX XXXX. I have try paying my bill online and for some reason they have block me which I find very odd. Why? I did call them over this and ask them why they didnt call me they said they has a phone number with XXXX area code on file again which is odd I have never had a XXXX area code number I live in the XXXX and I have had the same number for many many years. Here the thing are about that Target has call me before so why now do they have different number and cant get a hold me? When I call they cant ever tell me why they have the wrong number or why they have a late payment for when their system was down and not working not my fault I couldnt make the payment. Everything about my account is wrong now all because of their system bein down and they are unwilling to help me or fix it.
Product: Prepaid card

My money has not posted yet and its been two weeks and i see transactions on my card i didnt do
Product: Debt collection

I was receiving calls from a company called AWA collection. They said they are trying to collect money I owe for car insurance from XXXX. I informed them that I don't have XXXX car insurance. They asked what insurance I had and I refuse to give them the information. I told them I did have XXXX but I cancelled my car insurance with them and got insurance from someone else. They told me well you still owe XXXX and they are going to collect. I later called XXXX who stated they I do not have a bill with them and they stated that if you had car insurance and did pay they will immediately stop coverage. The company calls me everyday, at work, while I'm in college and at home. The even put the charge on my credit report which brought my score down. I was guided to do a dispute on XXXX XXXX  and nothing happen. So on XX/XX/XXXX, I wrote a debit validation letter and sent it certified mail. They stop calling for a while but never provided any proof of the debit they are claiming I owe. However, recently they start calling again and more aggressive. Please help me.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX ss # XXXX dob XXXX Inaccurate Reporting of XXXX XXXX in bankruptcy on my report A XXXX bankruptcy must be listed accurately in my credit report. 

the Dates and court numbers the high balance and the payments are incorrect I demand you show me the following Method of Verification : ( a ) The name of the courthouse ; ( b ) the person 's name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ( e ) the documentation used to verify the information.
Product: Debt collection

Credit acceptance repossed my car in XXXX I paid all repos fees & car payments to get my car back when I went to get my car back I reported damages that was made to the vehicle nobody reached out however they have charged me XXXX for XXXX XXXX XXXX mind you I cant pay no mor than XXXX a month bt they insisted that I had to pay double now they are trying to repo my car again I really need help they are robbing my poor behind blind please help
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous attempts to have fraudulent items removed from my credit report. Despite my repeated disputes and the submission of all necessary documentation, these fraudulent items remain unresolved. I have enclosed copies of all relevant documents once again for your reference. These items are not mine, and their presence on my credit report is causing significant harm to my creditworthiness and financial well-being. I request that you take immediate action to investigate and remove these fraudulent items from my credit report. If this issue is not resolved promptly, I will have no choice but to seek assistance from you and pursue further legal action if necessary. Please confirm receipt of this letter and provide a response within 15 days. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies have different varieties of name thats not myn, bills that have been paid off by insurance providers are being listed as collections. Social security number was leaked during s security breach. Account inquiries are not myn posted as myn. XXXX   refuses to give a copy of credit report even though its been verified as myself hence unable to determine how much breach has effected my credit score. Even though you disputed thing that are not your XXXX still report as yours and wont allow you to change it. Even after notification that you were effect because of security breach.
Product: Credit card or prepaid card

I am concerned about how Bank of America markets its credit cards to the public. At the beginning of XXXX messages from this bank were left on my cellular phone stating they detected suspicious activity on a credit card I have with them and it have being temporarily suspended. After this message, I receive A letter with a cardboard credit card. I never have any account with them and I never request one. After that, I received a letter dated XX/XX/XXXX but receive it on XX/XX/XXXX. I was very concerned finally because it seems like a fraud After these messages. On XX/XX/XXXX I call the Bank of America Fraud line and I speak with XXXX XXXX who said can not help but refer me to another number XXXX XXXX. I speak them with XXXX who requested the number of my social security card to verify my name address, phone number, and E-mail address. I reassure XXXX XXXX I do not have or want to apply for a credit card with the Bank of America. XXXX XXXX said Do not worry you are not going to hear from us anymore. On XX/XX/XXXX, I receive a packet with a credit card. I feel they harass me to get my personal information and send me a credit card I do not request. I am concern that if I call to cancel they do not going to cancel that credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called for MONTHS now to get my account to reflect accurate information. Every time I call I get transferred around for HOURS, only to be given excuse after excuse and eventually told no one can help but they are escalating my " ticket '' to someone to resolve the issue and it never happens. MONTHS later I am still trying to get assistance. My online account via Chase reflects an amount due of {$1200.00} when I only owe {$1000.00}. You can see the difference of {$120.00} was paid on XX/XX/22. Customer service has confirmed I owe {$1000.00} but no one can fix the system to accurately reflect as such and they are reporting incorrect information to the bureaus. Call after call and hours on the phone, all they do is transfer you from one person to the other who has no clue to what they are doing. They do not listen, they only talk over you and give you answers to questions you never asked. When you try to go the XXXX XXXX site to service your loan you get an error message as the SITE NEVER WORKS!!!!! This is ridiculous. Why do customers always get subjected to incompetent, XXXX XXXXXXXX XXXX rude, " customer service '' reps that are useless and just XXXX and frustrating to deal with?
Product: Credit reporting or other personal consumer reports

I don't recognize the Address need Please Remove immediately thank you 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: Mortgage

I had a Mortgage with Citi Mortgage with a balance of {$230000.00} as of Statement date XXXX/XXXX/2016. At around this exact time I refinanced my house and a Check was mailed out to Citimortgage Inc. for the amount of {$230000.00}. A refund for the over payment of {$1400.00} is due back to me. Several Calls to Citimortgage have been to no avail. They have refused to send me a refund check. It 's been over 60 days since the over payment. 
Please help me recoup this over payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late, yet it is closed and the balance is zero as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX XXXX )
Product: Credit card or prepaid card

On  XX/XX/XXXX  I reported fraudulent activity on my credit card in the amount of {$9800.00}. The dates of this activity were from  XX/XX/XXXX  to  XX/XX/XXXX . I also submitted a police report on this same date. The probable point of theft was from   XXXX   on  XXXX ,  XXXX , Illinois. Since my credit card was deemed " a bad read, '' I was directed to the ATM next to the service desk.  <P/> On  XX/XX/XXXX , I received two denied claims. I am very concerned that this is a beginning of continued denied claims.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX and i have old addresses that are NON-MAILABLE reporting on my credit report. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am not associated with the following addresses and need them permanently deleted from my credit profiles for they are NON MAILABLE please delete this CURRENT address for it is NON-MAILABLE XXXX XXXX XXXX XXXX XXXX XXXX XXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX XXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please delete this XXXX address for it is NON-MAILABLE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please delete this PREVIOUS address for it is NON-MAILABLE XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX please delete this PREVIOUS address for it is NON-MAILABLE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in XXXX  around XX/XX/XXXX and got XXXX around XX/XX/XXXX. Before I went to XXXXXXXX I had a debit account at this ( bank ) XXXX XXXX. After I was release I found out my debit acc was closed and there was a credit card open for around {$570.00} of debt and it was charged off. This was not me and I believe this is fraud. I contacted the company, they sent me fraud papers, I filled them out and mailed them. But after a few months I didn't get a response back. I'm filling this out because of experience to increase my credit score and this is still on my profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX I live in Washington State and Im currently trying to by a condo. The underwriter informed me there was a collection on my report. However, when I log into XXXX I dont see any collections to dispute. 

I am able to see the collection in XXXX XXXX so I contacted the XXXX XXXX agency that has the account. I informed them that this is a fraudulent account opened by XXXX XXXX. He was an abusive ex who had access to my personal information through his employer at the time. Ive already contacted the National Credit Adjuster and informed them and filed the claim for identity theft. 

I have also contacted XXXX and informed them of the situation about this account and the dispute has been started. Please have this collection account removed from my credit report as soon as possible. I can provide some information to properly allocate this collection to the proper person XXXX XXXX. 

XXXX. ) Collection is for XXXX XXXX in XXXX XXXX. ) Open date XX/XX/2017 XXXX. ) Original Account # : XXXX XXXX. ) XXXX XXXX XXXX XXXXXXXX XXXX. ) Original amount : {$740.00}, Now : {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX  Account XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX 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 XXXXUpon 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 N/A XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX. 2022 I requested a copy of my XXXX credit report ( report # XXXX ). After reviewing my credit report, XXXX XXXXXXXX is reporting a late payment. this account should not be reflecting negative in my report and should be removed according to the fair credit reporting act. 15 U.S.C. 1681s-2 ( A ) ( 1 ).
Product: Debt collection

Received a collection notice from Consumer adjustment Company, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MO XXXX. 

Responded to collector via US mail that I am not familiar with this debt and the debt is not mine. 

Requested verification of the debt be sent to me, no response from collection agency. 

Collection agency put a collection notice on my XXXX  credit report without verifying the debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 TransUnion credit reporting agency , block information appearing on my consumer credit report that is a 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 XXXXXXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXX under account number # XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the items. I do not recognize the aforementioned accounts, collections, and hard inquiries as reported. The aforementioned accounts, collection, and hard inquiries appearing on my consumer credit report maintained by you were nor opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the results of identity therapy and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # 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 card

Dear CFPB, I hope this message finds you well. I am writing to file a formal complaint regarding the declined offer for the Amex XXXX Credit Card, despite meeting all specified requirements. The situation unfolded as follows : Application Date : [ XX/XX/2023 ] Offer Details : earn XXXX Membership Rewards points after spending {$3000.00} in purchases on the card and 20 % back on eligible travel and transit purchases in the first six months ( up to {$200.00} back ) card membership. 

Despite fulfilling these requirements, my offer was declined without a clear explanation. I contacted Amex customer service on XX/XX/2023, and received conflicting information regarding eligibility and a supposed notice. 

I have attached relevant documents, including my application details and correspondence with Amex, for your reference. 

I kindly request your assistance in investigating this matter and facilitating a resolution. Your attention to this issue is greatly appreciated. 

Thank you for your time and consideration. 

Sincerely, [ XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX AMERICOLLECT ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, AMERICOLLECT ( Original Creditor : XXXX XXXX   XXXX XXXX  ), and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) with no successful resolution. There was definitely an error on their part.
Product: Debt collection

Upon pulling my credit reports, I discovered that Amsher Collection placed a collection on my credit report that does not belong to me. On XX/XX/20, I mailed a dispute/request for debt validation via certified mail. The tracking number is XXXX XXXX XXXX XXXX XXXX. The letter was delivered to an individual on XX/XX/20. As of today ( XX/XX/20 ) I have not received a response from Amsher Collection Company.  Per the FDCPA, if a collection company fails to verify the debt within 30 days, they must delete the account from all credit bureaus. It has been over 30 days, and the account is still listed on my credit reports.
Product: Debt collection

I financed a vehicle for a friend car was paid off and still shows on my credit report as bad debt which disables me from obtaining credit ( see attached documents )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I took a background check passed and started working on XX/XX/2021 a background check was done but this time An alert happened and I lost my position I had disputed it and in the beginning of the year I was able to work now that another background check was ran I have the same problem and First Advantage staff is very rude
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX, XXXX, XXXX, XXXX  XXXX, XXXX. There are also 3 accounts that does not even have a name but it shows the account numbers XXXX, XXXX, XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it 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

The response from all 4 of the cfpb complaints that Ive filed against Skopos they have failed to acknowledge the fact that they failed to respond to my previous dispute within the timeframe allowed and by law they are required to remove the negative item if they fail to provide proof that it belongs to me. Ive documented this, I will be going to media about this company along with proceeding with the lawsuit. My attorney XXXX XXXX has all documentation from these disputes. We will be seeking wages for the stress that this is causing, and as stated I will be going to the media about this company.
Product: Money transfer, virtual currency, or money service

I want to save money using the XXXX  app. Pnc wont allow me to connect my account
Product: Checking or savings account

On XX/XX/2020, {$160.00}, and temporary credit reversal On XX/XX/2020, {$25.00} and temporary credit reversal