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

For the last 8 years, starting on XX/XX/XXXX, until the present. The consumer reporting agency Trans Union has placed an adverse block on my account permanently. Improperly applying FCRA 605B ( 15 U.S.C. 1681c-2 ), against me which states -- - -- -- ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 
-- -- -- - Doing this time, I have reached out to Trans Union over 200 hundred times or more. Asking them to provide me with verbally or written application, to which classification under this law you are using ( A ), ( B ), or ( C ), to holding my account in this status. And to which accounts or data you are referring to, to which your determination applies? And as of my last call on Friday XX/XX/XXXX. Still no clarity! 
This cruel and malice act by Trans Union has caused greater hardship and any of my disputed accounts or data after XXXX, to be systematic marked as " documents not valid/ acceptable '', per their internal policy, which is not law! Or their " reinvestgation '' system automatically updates the disputed information regardless of its accuracy, completeness or its ability to be verified. Furthermore this has prevented me from monitoring my Trans Union report in real-time. Either with them or a third-party provider! I Can't even get my free Annually Report online, once a year. How can I prevent or respond to something in an appropriate time frame under this condition? They keep telling me that if I want to see my report, I have to call in every month a wait 7 to 10 days to receive it in the mail. Wow!
Product: Checking or savings account

On XX/XX/year> web domain refused to allow customer to open account in legal first name. XXXX was unable to comply with english user input of customers XXXX letter legal name and instead attached a XXXX letter thing of customers social security number signature into legal first name input box that stands for nothing. I erased the thing and inputted english XXXX letter legal name that stands for first name of social security number signature and identification and web domain refused to allow customer access to account. The state government issued customer a perfect credit file and XXXX refused customer service. Website also denied customer 's state identification photograph input.
Product: Credit reporting, credit repair services, or other personal consumer reports

Urgent Action Needed : Discrepancies on My Credit Report " Notice to agent is notice to principal, notice to principal is notice to agent. '' I hope this message finds you well. I am writing to express concern regarding several inaccuracies found in my credit reports provided by your agencies. These discrepancies are impacting my creditworthiness and causing undue obstacles in my financial life. 
As per the Fair Credit Reporting Act ( 15 USC 1681i ( a ) ), I kindly request you to investigate and correct the following discrepancies : 1. Name Variations : The only correct name on the report should be XXXX XXXX XXXX. Please remove all other variations including : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 2. Employment History : The sole employer listed should be XXXX XXXX. Please remove all other employment records including : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. Contact Numbers : Please remove all phone numbers except for XXXX XXXX XXXX XXXX The numbers to be removed include : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX 4. Residential Addresses : The correct and sole address listed should be XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Please remove all other listed addresses including : XXXX  XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX And other incorrect addresses as provided Your immediate attention to this matter is not only greatly appreciated, but also crucial in maintaining the integrity of your reporting. I'm sure you understand the importance of accurate credit reports, and I'm counting on your professionalism to quickly rectify these errors. 
Please note that failure to resolve these inaccuracies may constitute a violation of the Fair Credit Reporting Act ( 15 USC 1681i ( a ) ). 
I look forward to a resolution to this matter. Thank you for your prompt attention. 
Best Regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX SSN : XXXX DOB : XXXX XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX Dear Equifax I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX | XX/XX/XXXX : Account number : XXXX Update this account quickly. 

XXXX XXXX XXXX XXXX  Account number : XXXX, Update this account quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

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 the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting

I am a victim of identity theft. I am XXXX and my mother used my social security number to get home loans, new cars, credit cards, business loans and WHATEVER she could get. She stole my identity to pay her bills and HAVE nice cars CLOTHING home ECT.
Product: Credit card or prepaid card

On XX/XX/2020 I tried making a purchase at Walmart grocery.

Capitol One credit card blocked my card without alerting me and declined my Walmart grocery purchase attempt.

I had to step out of the grocery line to call Capitol One credit card dept. 
It took 42 mins to get an agent on the phone from Capitol One.

It took an additional 14 mins to unblock my credit card.

I went back to the register to make a valid purchase of my items. The grocery basket I initially filled had been moved. 
The cashier asked me to reinsert my payment. Doing so my payment was accepted. 
I was given a receipt. 
One of the Walmart associates retrieved my groceries. I immediately noticed that my basket was not as full as before I left the register ( after Capitol 1 declined my card. ) I asked the cashier what happened to my groceries? The cashier stated some of the items had been restocked after my card was declined, but he believes the items were put back in my basket and if there is anything missing. Contact the store. 
The cashier never re-rang the items in my basket after my card was declined and the basket was retrieved. 
The cashier simply charged me for whatever was on the receipt that was voided when Capitol One blocked my card. 
After sorting through all of my items received. I compared the non- received items to my receipt to identify the missing items. I wrote down every missing item and went back to Walmart. 
I approached a cashier and requested a supervisor concerning the over charges. 
I was told that due to the Covid 19 pandemic all of the supervisors were unable to assist me because they were in a meeting. I was advised to contact my bank. 
On XX/XX/2020, I filed a dispute for the missing items. I explained that Capitol One blocked my card. My items were taken out of my basket and restocked and when I finally completed the purchase my items were not rang up again.The cashier charged me for the voided receipt without individually verifying what items were excluded due to the items being taken out of the basket to be restocked. 
Capitol One provided me a temporary credit from the dispute claim. 

However, XX/XX/2020. Capitol One Re-billed my credit card in the amount of {$200.00} for this Walmart dispute.

I did not receive these items due to Capitol One blocked my card- declined the original transaction -then the stores associates began restocking my items. 
When I got my groceries back after Capitol One blocked my card. The items were not rang up again. When verifying the missing items by my receipt I was able to calculate what items were missing. 
I contacted Capitol One by phone twice concerning this matter and Capitol One refused to correct this error. This {$200.00} Re -bill is a error and Capitol One is not is good faith resolving this matter. This error has caused me financial hardship during this pandemic. This bill back error has also caused my credit score to decrease by 29 points.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out my identity had been compromised because my wallet was stolen from the movie theatre. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters of several unpaid accounts that I have never open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

XXXX XXXX  XXXX XXXX {$1100.00} XXXX XXXX & XXXX XXXX {$3600.00} XXXX XXXX {$0.00} XXXX XXXX  XXXX {$3100.00} XXXX  XXXX/XXXX  XXXX {$0.00} XXXX/XXXX  XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aware after disputing things with the credit bureaus that the information was / is on my credit reports and should be removed especially when the New Credit Act of XXXX states in section 401 that these should be removed when no contract exists. Please assist! Theres also student loan data and inquiries that need corrected! 

XXXX - {$630.00}, no contract XXXX - {$240.00}, no contract 10 Missed student loan data to be reversed per new law DeptedXXXX 10 Missed Students loan data to be reversed Inquiries To Be REMOVED I didnt Authorized by way of contract XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX - no contract Inquiry from XX/XX/XXXX - no contract XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX  XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX - no contract Inquiry from XX/XX/XXXX Accounts : XXXX XXXX XXXX XXXX late payments - Account number - XXXX Negative data to be reversed *XXXX XXXX Negative data to be reversed Account XXXX Student Loans : DEPT OF EDUCATION/XXXX {$40000.00} Negative data to be reversed DEPT OF EDUCATION/XXXX {$60000.00} Balance updated XX/XX/XXXX XXXX late payments - negative data to be reversed Collections : {$630.00} - no contract XXXX XXXX XXXX  - no contract {$240.00} Dept Of Ed/XXXX - student loan data to be reversed 10 Missed Dept Of Ed/XXXX - student loan data to be reversed 10 Missed Collections XXXX - {$630.00} - no contract Inquiries To Be REMOVED I didnt sign agreement XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX XXXX , - no contract Inquiry from XX/XX/XXXX XXXX
Product: Credit card or prepaid card

Dispite my 100 % on time payments to Walmart credit card they have lowered my overall credit limit from originally {$300.00} to now {$100.00}. I have overpaid them and I dont know where my credit of {$200.00} went. I want my credit limit increased that is not right!
Product: Credit reporting, credit repair services, or other personal consumer reports

all three credit burea have all avoided proof to change the situation on my credit report. XXXX is inaccurately reporting on my credit report, i have disputed with equifax, XXXX and XXXX countless times with no luck
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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: Mortgage

I have a loan through loan care, fha and a had a 2nd loan through XXXX  partial clam, was set to start in XXXX but sold the house XX/XX/XXXX the way this loan worked his I got up to {$20000.00} loan care took in from XXXX into an account were they would desburst itto catch me up then over the next 3 years lower my payment I used {$10000.00} of it and then the rest of it was to be sent back to hud after closing since I did not use it, as a result my title company is holding on to {$10000.00} until they get a paid in full from hud saying loan care paid it back then it would get released, now its been 2 weeks of dealing with this and loan care, no one at loan care ever tells me the same answer and right information they have lied to me and the title company, saying underwriting sent everything over to XXXX  its good to go 2 day later come to find out that was a lie nothing sent still working on it call back next day tells me still working on it they dont know whats taking so long call again tells me it could take another 30 days unacceptable they have had over 18 days to do this and yet they keep lying, I have a family in need of this money as we moved hours away with one income, had to barrow money need food in the house and repairs, I am emotionally drained and mentally I am on the phone ever day causing me lost time The company is loan care LLC
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate removal of my previous address from my credit report. I have recently reviewed my credit report and discovered that an outdated addresses, are still listed under my personal information. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX
Product: Money transfer, virtual currency, or money service

One unauthorized transcation be made on XX/XX/XXXX, it is a international wire transfer and total amout is {$2400.00}. Called the bank iimmediately on XX/XX/XXXX night and claim a dispute on XX/XX/XXXX. Per branch employee, this is not a fraud or identity theft, it was a system/ operation mistake that bank sent the funds for someone else 's wire transfer request from my account. I was told the funds would be refund within 10 business days and I called the bank and visited the branch couple of times, but no result. It's been XXXX weeks after transcation be made and the funds has not been returned to my account yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMENITYBANK/VICTORIA  Account number XXXX Date opened XX/XX/XXXX COMENITYBANK/VICTORIA  Account numberXXXX Date opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX/XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX I have reached out to the companies and the credit buraus to have these fixed ive send it documentation that the credit card/ loan accounts are not mine and that the freeway funding is in error but no action has been taken to fix it. 
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Product: Money transfer, virtual currency, or money service

In XXXX I purchased a hammock with stand from XXXX   with Paypal.. When I received the product I saw that they sent me a hammock only without a stand. I immediately contacted seller and they told me what they sent me is correct. I contacted Paypal to tell them that the order sent was not as described. I ordered 2 items the hammock and stand and only received one, hammock. Paypal closed the case without regards to the incomplete order I received. I told Paypal, I already sent back the hammock to the company 's agent that was listed on the return address label since that was the only address I had of the company. I emailed the company on 3 different occasions asking for their address and 3 times they refused to give it to me. So how can I return an item in a timely manner if the company themselves refuse to give it? Paypal by not looking at the evidence closed the case and  said I proactively returned the item and the dispute case I opened up with them is now closed. I was never aware the company I purchased from is located in XXXX. On their website it states they operate in XXXX under XXXX laws. The address label for return was sent from the US. I asked the company through emails what was the return address 3 times and 3 times they refused to give it. How am I suppose to know that they are located in XXXX and to return it to XXXX? Also, in their email to me the company said that they return 10 % of my money so I won't have to go through the trouble of an expensive shipping fee. This is the scam they used so they can keep 90 % of your money with the trick of telling you that shipping is very expensive. DON'T BUY FROM XXXX ADS. DON'T USE PAYPAL. NEVER AGAIN. LESSON LEARNED.
Product: Checking or savings account

I just recently complained to you guys about this and you will hear my complaint PayPal is trying to tell you XXXX they offered me provisional credit they never offered me professional credit you understand that as soon as I opened up the case with the PayPal with Walmart Walmart paid me back so there was no provisional credit but they did was they faltered okay a document and sent it to you guys and you guys think you just go close it without looking into it. They altered that document because they didn't send meXX/XX/XXXXlike that they recently took that and made that up just so you guys can believe you don't close no case unless you hear all sides I got Federal involved yes cuz Federal is going to look into their XXXX they never gave me no provisional credit they took money for nothing you will look into it I mean reopen that and you look into this that's why I got Federal involved. XXXX no this case too far from closed