23daVinci/CFPB_Complaints huggingface dataset:
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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account XXXX : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX  Account Name : XXXX - XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : 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 XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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
Product: Credit card

# XXXX is # XXXX both of these cards are being tied to my business. I called XXXX XXXX about XXXX purchases in 2021. The one in XXXX used card # XXXX and the one in XXXX used XXXX. XXXX charges show up on my business acct cc.
Product: Mortgage

United Wholesale Mortgage began forbearance XX/XX/2023. All throughout received mail and read about the program knowing a deferment of payments to the end of the loan would be an option available to me. Also was made aware that before the end of the forbearance we could choose the option ahead of time. As it came close to the end of my forbearance ( XX/XX/2023 ) I called multiple times in XXXX so as to square away and ask for a deferment of owed amounts while in forbearance and they continued to tell me I had to wait until my forbearance period ended on XX/XX/2023 and to look out for notices in the mail to apply for the deferment- never got anything in the mail at all. So then I wait and i call to ask them to email me or what is going on they explain what I should fill out and showed me where I can get the notices. I filed for two deferment and emailed them in and for some reason when I call to see what is going on because this is not assigned to anyone we can speak to - they do not reference about covid 19 forebearance they are telling me they are looking into options to modify my loan due to unemployment and other options that could include foreclosure. THIS IS NOT RIGHT!!!! They are threatening to report on my credit when they told me there would be no reporting to credit or any other foreclosure or anything while we straighten all this out. I need help, this is unethical and not what the law was created to do. 

Loan # XXXX and # XXXX
Product: Credit reporting or other personal consumer reports

So I have tried too get Experian, XXXX, and XXXX to get collections off of my Credit report. Collections that are on Credit Report is a violation because it is a Certificate of Indebtness and also considered as income and it can not be reported on my Credit Report.. 

I demand deletions of these account : XXXX XXXX XXXX XXXX 3 accounts collections XXXX  XXXX XXXX XXXX-collectios XXXX-collections XXXXcollections XXXX XXXX XXXX-collections XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a complaint about Comenity Capital Bank with the XXXX  and the bank responded " We are Comenity Bank and Comenity Capital Bank. We received the correspondence you sent to the XXXX XXXX XXXX  and appreciate you taking the time to let us know you have concerns. Once our investigation is complete we will mail a response letter directly to you that contains our findings. '' They sent me a paper bill and they responded to not giving me a credit increase because my credit bureau accounts are locked and they didn't tell that I needed to unlock them. They never addressed the fact that they reported my late payment that I didn't even know that I had and they ended up taking it off because I wasn't getting any bills. But the report is still on my credit which has dropped my score and still showing and will continue to show for the next 7 years if they don't correct the problem.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : COMENITYXXXXXXXX, Account number : XXXX Account name : XXXXXXXX XXXX  Account number XXXX Account name : XXXX XXXX XXXX XXXX, Account number XXXX Account name : XXXX XXXX XXXX XXXX, Account number XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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

in accordance with the Fair Credit Reporting act XXXX  Accounts # 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 15 U.S.C 1681C. ( A ) ( 5 ) section states : no customer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not 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 card or prepaid card

I had fraud on my target XXXX  card in XX/XX/XXXX after the issue of the fraud got fix than I notice theres huge changes on my account from not owing got to {$700.00} dollars and I made some purchases and made payment on XXXX and XX/XX/XXXX than in XXXX still calling to understand what is the sloppiness in my account as it didnt make no sense and why all my purchases for {$400.00} in XX/XX/XXXX that I purchased and returned by the store manager for XXXX one item was kept it went back as purchase and on that day XXXX XX/XX/XXXX I paid for the same items XXXX. XXXX which it was returned on XX/XX/XXXX and some random XXXX keep coming up on my statement several times as I was confused whats going did my best to get anyone to get help but nothing but run around silence, than in XXXX I got XXXX XXXX I called twice 2 different employees of target told me not to pay as my account under investigation as result I did make payment because I was told so first the account its not understandable waiting to get help on top of it in XXXX I realized target reporting me as missing payment how do I understand that called made payment of XXXX XX/XX/XXXX than than I made payment of XXXX per XXXX another target employee so I paid because I wasnt going anywhere today I want to get mortgage loan sure enough target reporting me on XXXX XX/XX/XXXX again as missing payment and I called to see whats the problem again XXXX supervisor told me she not going throu long as conversation you are XXXX  we not going to help you how is it my fault when I tried and paid something that I didnt feel its right and I didnt made decisions just not paying my bill with continued calls from XXXX to XXXX if XXXX seriously is that how target going to treat me after I been loyal customer never been late since XXXX all of the sudden Im late while Im trying to get help if Im in default I pay but to report me just because you refused to help me and giving me wrong information by target employees, Im still trying to understand my bill as how do I owe target such big bill and making me pay for something that was retuned, since I knew Im going to buy house I made sure I always pay my bills on time never be late sure enough my dream shattered due to big corporate selfishness and liar cheat and fraud target. Hopefully whom ever read this please help me as I never intent not to pay my bill specially in this pandemic why would you say Im XXXX without getting help. Moreover, I made two payments in XXXX XXXX XXXX and {$50.00} dollars on I believe XXXX XXXX but very very conveniently my XXXX dollar payment its missing as I paid cash in XXXX for both payments and so in XXXX or XXXX very very convenient. Greatly appreciate your prompt attention to this matter why target keep reporting me as 30days late. Thank you. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  XXXX # XXXX, Account name : XXXX XXXX XXXX  XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX. Account name : XXXX  XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX # XXXX Account name XXXX XXXX  XXXX # XXXX Account & XXXX # XXXX Account name XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX # XXXXHowever, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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 or other personal consumer reports

I do not recognize this credit inquiry and have previously requested its removal. However, the credit bureaus have not taken action as requested. I am now providing an identity theft report, which I have attached, and I am formally requesting the removal of this inquiry as it is inaccurate. 

Thank you for your attention to this matter.
Product: Student loan

the lone has been given to G C services who has got over {$17000.00} on what was a {$12000.00} lone and is asking for another {$12000.00} to be paid? I feel this money have been paid off in full. you can get G.C. at XXXX / G, C.   services number # XXXX ... me the client account number XXXX balance {$12000.00}
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX QUALITY XXXX XXXX Balance : {$4900.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I requested my report from Lexis Nexis and to opt out of them selling my information four months ago. They have since failed to send my report or grant my request to opt-out and continue selling/sharing my information with third parties. I recently requested the report for a second time. I have NEVER given Lexis Nexis permission to obtain or share my information with anyone, and can not figure out how they can. arbitrarily obtain and sell my information to begin with. This is a VIOLATION of my privacy according to California law! I appreciate any assistance you can provide. 
Kindly,
Product: Mortgage

The Reverse Mortgage Servicing department decided to advance my line off credit with out my permission or knowledge. The result is that the amount I will owe and pay interest on has been increase. Currently, I only know of one unauthorized cash advance, which has been added to the payoff amount. The I obtained the reverse mortgage, I needed around {$200000.00}. I told the company several times that my finances are stable. I want to be able to pay off the mortgage in the next year. But they have added draws from the line of credit that has increased the loan balance. I unsure how many times they have added draws, which I did not ask for. The latest draw they processed was for {$460.00}, which I did not request and have not received any payment for. I believe that they are trying to falsify the true balance of the mortgage by adding in draws that I neither requested or authorized. I believe my original loan balance has been increased by their unauthorized activity. Adding a draw, which is added at 4.175 % interest to the balance I owe seems illegal. I have never wanted to use the line of credit. The fixed amount of the original reverse mortgage amount was all I wanted. I informed the company, based in XXXX Mi, that I would never want to exercise my option to take draws. Nevertheless, the company appears to have taken draws from my account, illegally. The fate of the {$460.00} draw is a mystery. I have received NO payment from them in the amount of the draw. I believe that their actions are fraudulent. XXXX XXXX XXXX, XXXX
Product: Money transfer, virtual currency, or money service

I had loaned a friend {$650.00} and she paid me back by a transfer to my Paypal account in XX/XX/2019. I attempted to do an Instant Transfer to my XXXX XXXX XXXX XXXX checking account but the funds never arrived. I messaged and called Paypal customer service multiple times  over the next several months, as well as XXXX XXXX XXXX. We initiated a trace but Paypal insists the transaction shows as completed in their end and the bank insists they are unable to find record of this. I have never had an issue with transferring funds before, but this is the first time I tried doing an instant transfer and it has been a nightmare to deal with.
Product: Credit card or prepaid card

On XX/XX/2023 approximately XXXX, I woke up to a text notification from capital one about an order being place from Walmart . Since I didn't place any order, I immediately called capital one to inform them that there was a fraudulent charge of {$100.00} from Walmart, and they deactivated my credit card and gave me a new credit card. When I investigated further I tried to log onto XXXX but my account was deactivated, so I checked my email and there was an email stating my account was deactivated, I called Walmart to report the fraudulent charge and to reactive my account which they did, but told me they don't give refunds, I have to contact my credit card company. I've called capital one several times for them to refund my money, they'll adjust it then charge it back several times, so I finally decided to make a complaint and hoping I can get my money back. I have attached the email from Walmart about account deactivation, screenshot of the time I.ve called capital one the moment I knew someone fraudulently used my account, the order the thieves made and capital one statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$2.00} XXXX XXXX Balance : {$420.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5800.00} XXXX  XXXX Balance : {$2.00} ; XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Product: Credit card or prepaid card

Account was closed on XX/XX/23 the reason given was they said I violated the terms if the user agreement. But they refuse to tell me what teams I violated and keep referring me to the user agreement witch has multiple things on their. I want a specific reason as to why this account was closed. I was never late on a payment paid early and never went over my credit limit. Are they discriminating against me? Cause it sure seems like it.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Subject : Complaint Regarding Dispute Resolution for a Transaction ( Discover Card ) Dear CFPB Team, I am writing to file a complaint regarding the handling of a disputed transaction by Discover Bank. I believe their resolution process was inadequate and did not provide sufficient evidence to support their decision to deny my case. 

Details of the Transaction : Transaction Date : XX/XX/year> Amount : {$100.00} Merchant : XXXX Dispute Reason : I did not receive the goods I paid for ( XXXX pillows ). 

Issue : After realizing that my order was not delivered, I initiated a dispute with Discover Bank. However, their resolution was unsatisfactory for the following reasons : XXXX. Lack of Detailed Evidence : Discover provided only a tracking number with showing " delivery '' as proof of delivery but did not include crucial details such as the exact delivery location or recipient information ( e.g., who signed for the receipt on behalf of myself ). 
XXXX. Failure to Address My Concerns : Despite my explanation that I had not received the goods and had no way to verify the delivery, Discover concluded that the case was resolved in the merchants favor without providing me with sufficient evidence. 
XXXX. Unfair Denial : By relying solely on incomplete delivery information, Discover denied my case, leaving me without the product or a refund for the transaction.
Product: Credit card

In accordance with the fair credit Reporting act XXXX Account XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.