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

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Experian and XXXX Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the account : XXXX XXXX Balance Owed : {$11000.00}.
Product: Debt collection

I received a suspicious phone call from XXXX XXXX XXXX XXXX on XX/XX/2018. They didn't even introduce themselves and didn't say who the debt was for. I feel very scared about this and I immediately started crying. I need this to stop immediately. Please help me!!!
Product: Debt collection

This law firm contacted me regarding an alleged debt. They are in violation of 15 USC 1692e ( 3 )
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXXXXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - XXXX XXXX XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX
Product: Credit card

I enrolled in an At & T access more card offer that advertised a XXXX $ At & t phone credit when XXXX $ was spent within the first 3 months. I hit the mark on our XXXX statement and called in multiple times to confirm I was over the XXXX $ mark. Every person I talked to at Citi confirmed I was over the mark. Only after the 3 month period passed did I learn that I was XXXX $ short because they would not count the credit card fee towards the total. I was misled by multiple customer service reps and now I wont qualify for the offer. I attached a chat with a Citi rep confirming that my credit would arrive soon. Later I was told to fax in a proof of purchase which I also did. Only now have I been told I was XXXX $ short. Citi 's mistake has led to my cost of XXXX .
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, U S DEPT OF ED : # XXXX, DEPT OF EDUCATION/XXXX  : # XXXX, has violated my rights. 
I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) 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 shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed not to 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

The reinsertion of previously deleted information is governed under FCRA 611 ( a ) ( 5 ) ( B ). It only applies to information that has previously been deleted based on a finding in a prior dispute that it was deleted due to lack of verification of its accuracy. 
If the information was deleted based on a finding in a prior dispute ( which is shown by the Notice of Results of Reinvestigation sent for that dispute ), then any party requesting reinsertion of the information must include with their proposed reporting a Certification of Accuracy of the information. That Certification effectively overcomes the lack of verification of accuracy in the prior dispute, thus obviating the dispute. 
The reporting party is not required to send any notice to the consumer. That is the responsibility of the CRA. If the CRA does reinsert the information, the CRA must send written notice to the consumer within 5 days advising they have reinserted.
Product: Debt collection

In XXXX of XXXX is when I initiated communication with the original debtor XXXX XXXX as I applied for several online and didnt recollect authorizing. They transferred it quickly to Structured Settlements where it became nasty and unprofessional. They wanted to charge me {$3000.00} to pay off {$500.00} when I tried to get information from XXXX to pay the {$500.00} back right away. I felt they did this intentionally to get more money out of me. They shouted at me, was verbally abusive and hung up on me. So I never reached out again. Then on XX/XX/XXXX I received a threatening text from them. So I called the number and they threatened to show up at my house and employer. I called several different numbers and attached all documents below. They have given me outrageous XXXX. I have also attached documentation and was in touch with XXXX XXXX. They suggested I contact you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I pulled my credit report and noticed unauthorized inquiries. I contacted all the creditors on my report, they informed me I must contact my credit bureaus to notify them of unauthorized inquiries. I contacted experian, the company removed the inquiries. I contacted transunion and they refused to remove my inquiries, despite me repeating that I did not authorize these inquiries. The inquiries are as follows : -XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX via XXXX XXXX -XXXX XXXX XXXX  XXXX -XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CARD SERVICES -XXXX XXXX XXXX  -XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

CapitalOne Quicksilver credit card advertised {$200.00} bonus if you spent {$500.00} in 3 months I applied and was approved. There was nothing I saw that was different and I was approved immediately. 

My card was opened in XX/XX/2022 and by XXXX I had already spent over the {$500.00}. 

After the 3 month period in about XXXX I realized I had not received my bonus. I called the company and was told the card I got was not the one with a bonus. Its got the same name and everything else, there was no way for me to know it was a different card. I was never given any options to decline the card due to it being different. I feel this was a bait and switch scheme and tried speaking to a supervisor but was told there was nothing they could do. 

I am still upset over this and havent done anything else simply because I havent know what to do until I found this site.
Product: Credit reporting, credit repair services, or other personal consumer reports

In view of the EQUIFAX breach, I ordered free copies of my 3 credit reports. I had no problem with XXXX or XXXX  but Equifax refused to give me an online copy. 
Instead they suggest I send all my personal identification information to them VIA MAIL! 
This is ridiculous. I 'm certainly not going to send my personal documents only to have them sit on someone 's desk for all the world to steal! 

I want to find out if I was a victim of the Equifax hack but ca n't because of the company 's incompetence.
Product: Credit reporting or other personal consumer reports

I did not consent, authorize, nor benefited from the following accounts. Block and remove these accounts immediately. Attached is the affidavited
Product: Debt collection

Received a letter in mail from Phoenix Financial in reference to a debt of {$760.00}. Letter indicates original creditor was XXXX which I have no knowledge of. This is causing me anxiety and fear my personal information is being shared with others which can cause identity theft. In no way this debt has been validated as mine and I request company to cease contact and delete information as to this may potentially affect my credit and/or use identity.
Product: Credit card or prepaid card

On XX/XX/2022, I received the emailed offer below from Capital One : Congrats, You're Invited Opportunity : Find out if you're pre-approved for a new card with no credit score impact. 

I applied, was pre-approved and offered three choices of cards. I chose the XXXX XXXX. Their system did an additional check : 1. Denied my application. 2. The second check was a hard inquiry which negatively impacted my credit score. 
The result was no credit card and a XXXXXXXX XXXX drop of my credit scored.
Product: Credit card or prepaid card

On XX/XX/XXXX I received a deposit for {$3900.00} on my EPPIC Debit Card issued by Dept Child Support Services for California. 

I typically receive {$170.00} a month for child support so I very seldom use the card. I called to check the balance at the end of XX/XX/XXXX to see if if my normal monthly payment posted, as my ex husband is not consistent in paying court ordered support. 

The automated system advised a payment for {$3900.00} had been deposited to my card, but my available balance was {$0.00}. 

This was a tax intercept payment for arrears owed to me. I spoke with the fraud department who sent me paperwork to complete and return, I had to request it twice! 

Since than they denied my claim, I have asked multiple times for their report and reason to deny my claim as it was clear it was fraud since the charges are from XXXX and XXXX. I filed a police report. 

They continue to lie to me and promise to send the report of their investigation its been 7 months.
Product: Mortgage

I received a forbarence, was not communicated he process. I have also been dealing with medical issues, Now they are trying to charge me extra for not understanding!
Product: Credit reporting, credit repair services, or other personal consumer reports

i have disputed this inquires on XXXX and i still have not receive any result.
Product: Credit reporting or other personal consumer reports

Original Creditor nor collection agency can properly validation these identity theft accounts ... after 6 months of back and forth with the original creditors the collection agency who are now illegally reporting on debt. None of them has provided the original contract with my signature nor Identification. 
Help Please removed immediately please XXXX XXXX XXXXXXXX XXXX XXXX XXXX Reporting to TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$1200.00} {$1200.00} {$1200.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$1200.00} {$0.00} {$1200.00} Credit Limit : {$1100.00} {$1100.00} {$0.00} Past Due : {$1200.00} {$1200.00} {$1200.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the XXXX XXXX. 
Consumer disputes - reinvestigation in progress Charged off account XXXX. Reporting to TransUnion XXXX XXXX Account # : XXXX XXXX Account Type : Installment Installment Account Type - Detail : Unsecured loan Unsecured loan Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$3100.00} {$3100.00} Credit Limit : {$0.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Collection Account Purchased by another lender Purchased by a another lender. 
Account seriously XXXX. XXXX  Reporting to XXXX Account # : XXXX XXXX Account Type : Installment Installment Account Type - Detail : Unsecured loan Unsecured loan Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$3100.00} {$3100.00} Credit Limit : {$0.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Collection Account Purchased by another lender Purchased by a another lender. 
Account seriously XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX reporting to TransUnion Account # : XXXX Account Type : Collection Account Type - Detail : XXXX XXXX Code : Individual Account Status : Paid Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : - High Credit : {$180.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Account information disputed by consumer, meets FCRA requirements Date Last Active : XXXX
Product: Debt collection

I receive up to at least 30 calls a day from this company back to back. They range from being 10-20 minutes apart to at least 5 an hour. I understand I have a debt that needs to be collected but to call me this many times a day, starting immediately at XXXX sharp, is ridiculous! I would like for them to just stop contacting me all together.
Product: Payday loan, title loan, or personal loan

I have talked to a guy in XXXX who forced a payment plan for XX/XX/2021 after I told him I no longer work due to my husbands XXXX. XXXX insisted I had to or he was going file criminal charges but I could call closer to date for other arrangements. No signed documents or agreements were made by me. Cash store attempted several times after I was able to make a payment in XXXX to continuously debit my account and refuses to take my bank account information out of their system bc they said they have a right to do so. They continuously call and mail letters to myself and references harassing and threatening us with a lawsuit for criminal charges. They doubled the interest and price of loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called transunion regarding a bankruptcy on my report and i was speaking to an overseas rep, XXXX , XXXX, regarding this issue. i explained to her that if info on my report cant be verified it needs to be deleted. i stated a bankruptcy is public record and ca n't legally be verified. i stated the NJ courts stated they do not report or verify information and the information is public record on public access to court electronic records ( XXXX ) and i contacted XXXX by email and they responded XXXX  does not verify federal case information and all information gathered from XXXX is public record and may be reproduced without permission, XXXX customers assume all responsibility and consequences. XXXX XXXX then stated the information was given by the court. i asked her is she telling the NJ court released my information and she stated yes. i asked to speak to a supervisor and was disconnected. i called back and spoke to an overseas rep, XXXX. XXXX, i explained the same above information and he stated that there are vendors that receive this information and go and verify the information and i asked how do they verify the information. he could n't answer. he stated the fcra states the bankruptcy will remain on my report for 10 yrs. i asked can he tell where that is located, im on that site. he said i do n't know where it is located, i should look it up. connected to a US rep that put me on hold and came back on the phone, phone was messing up. she was talking about me to another rep and when she realized she put me on hold than disconnected. 4th was a US rep that explained the process of verification consisted of someone coming to NJ to look at the public records. i explained the records are with XXXX and you pay for access. i asked her to send me the records transunion used to put the bankruptcy on my report and she couldnt. no legal verification the information comes off my report. i need the bankruptcy removed immediately. i asked if these calls were being recorded. the first 2 and the last stated yes.
Product: Credit reporting or other personal consumer reports

OnXX/XX/2016 an account was opened with XXXX XXXX ( XXXX XXXX XXXX ). I have no knowledge of this account nor did I pay any money into this account. For years now, I have been contacting the credit bureaus in regard to this account ( through mail and online dispute services ) and they have not been able to help me. The credit bureaus have not provided me with any documentation or proof that this account is mine. I also have a fraud case open. 

Today and many times in the past, I have contacted XXXX XXXX XXXX myself ; they stated that they do not have any of my information on file. I also provided them with the account number that Experian has given me : no information is found according to the Bank. 

I have voice recordings that I am willing to share. The voice recordings will provide proof of me speaking with bankers in regard to this issue and they each state that they are unable to help me because my information is not in their database etc. Furthermore, Experian is telling me otherwise. Yet, Experian has not provided me with any written documentation etc. Someone from Experian also has a statement on my report, saying that I co-signed this account. I never verbally and written such a letter/statement.
Product: Mortgage

I have submitted financials and request for mortgage modification to Wells Fargo several times in the last year. Wells Fargo has refused to lower my house payment and interest rate. I became late on my payments when my mother became XXXX, I 'm my mother only care giver, I 've had additional medical expenses with the doctors visits and her medicines. I do want to keep my home. Please assist me with getting my mortgage modified.
Product: Credit reporting

I have not ever had the last name of " XXXX '' that is my wife 's former husbands last name!
Product: Credit reporting

Equifax allowed serval Fraudulent, accounts to be reported to.my credit reported .The information is over eight years old. The party 's doing the reporting. never a place of businesses serval times. They not Professionals, such.as.Lawerys, Judges, Names of each Credit Reporting Agent .XXXX XXXX, XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

The plain and simple truth is that LexisNexis failed to respond in the 30 days per FCRA.In the initial complaint no matter the substance, LexisNexis failed to respond in the 30 days per FCRA. In LexisNexis research of the judgements on XXXX XXXX file, LexisNexis failed to respond in the 30 days per FCRA. In LexisNexis not finding the bankruptcy, LexisNexis failed to respond in the 30 days per FCRA. In LexisNexis not having enough information to authenticate her identity, LexisNexis failed to respond in the 30 days per FCRA. 
Not one of these factors are the fault of XXXX XXXX. LexisNexis failure does it relieve it from its obligations per FCRA
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft I would like if my report can be anaylze and deleted of the accounts that has been listed please. I did not give any Authorization to anyone to open in my name.
Product: Checking or savings account

Hello : I recently graduated a college with a XXXX in XXXX and was given a {$1500.00} check from a chemical industry company as a closing scholarship for graduate school. I had it deposited via the Bank  of America movile App. Of course, there was a hold on my account, which I was understanding until XXXX today. However, when I checked my balance after XXXX, I still hadn't received my payment. Frantically, I called the bank and was informed that some holding comittee decided to wait until NEXT TUESDAY for the funds to be available. I wasn't notified nor was I able to see it without calling the bank. This money that I desperately need to keep afloat. My job hasnt paid me yet so not having my own money is inconvenient and extremely unjust.
Product: Vehicle loan or lease

Ally auto has been horrible. Half the time their site was down. A while ago I accidently double paid because I didn't think it went through as it had been weeks and they didn't withdraw from account yet. I got doubled charged and was left with negative balance. They were unable to refund it in time without causing overdraft fees so I had to cancel it with chase. I tried making the payment this month and it rejected so I called chase. XXXX said it will be fine if I just pay with checking instead of savings ( I had been paying with savings previously ) and then the payment went through chase and ally took the money. A few days before the payment was due ally rejected it and hasn't refunded me even though the transaction is no longer pending on chase. I called ally customer service and a lady who hardly knew XXXX said that because chase rejected initially, the they too rejected it even though the chase charge isn't pending. With my payment due they are now demanding I pay again with alternate means but I can't because by the time they refund the money it will be past due. I do not have enough to pay it without that refund because of my XXXX XXXX health and housing crisis.
Product: Checking or savings account

Banned for life because I deposited a check that bounced. The money was never made available in my account so I never spent any of the money and I paid fees. However I got banned for life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to access TransUnion website. Unrecognized inquiry on credit report dated XX/XX/2022. Informed agency.