23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Ordered and item online and paid thru Paypal. Amount paid {$44.00}. Name of the store used online XXXX located in XXXX. Item ordered on XX/XX/year>. On XX/XX/year> contacted Paypal and filed a dispute as item had been delivered. contacted the seller with response after 3 emails and they have no telephone available. Paypal issued a provisional credit for {$44.00} and now on todays date they have recouped the credit stating the seller provider tracking information. I requested this info and they did not respond. The item has yet to be received. This was for a XXXX XXXX  and today is already XX/XX/year>. The tracking # they provided me ( XXXX ) is not valid and no information is available. I have ring cameras I would have been able to see if it was delivered to me. And if they delivered it, it was not to my home. I sent all the pictures to paypal and they still recouped the money and closed the case with no replies to my findings. The store in which the item was ordered ( XXXX ) now shows as closed and no method of contact. I want my money back from Paypal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion multiple times to update my credit report with the information provided. They ignored my attempts to fax, email, and give direct communication with the government agency to update a negative account. The account was a pay for deletion account with XXXX. The agent simply told me they don't have the power to add or remove information from a credit report. When I referred to their own guidelines of updating the information. The agent removed himself from the conversation. The second agent told me why would the other credit agencies remove the account and not their own if they requested the removal of the account. I told the agent that would be a question for them to answer. As XXXX provided proof that they sent request to all three credit agencies. With the account no longer showing on XXXX and XXXX. They refused to take my documentation online, fax, and email. Telling me to mail it in. This is simply bullying at its finest and really frustrating. As we the American public have no way of enforcing them to comply with FCRA guidelines.
Product: Credit card or prepaid card

Re : Lowes store card ( Synchrony ) In XX/XX/2019, we received a letter from Synchrony regarding our Lowes account. We have always paid the account on time or within the grace period described in terms. In XX/XX/2019, another creditor marked us with a 30 day derogatory on our bureau report, which was a mistake due to misapplied payment. We have two accounts with the creditor who reported the 30 day derogatory and the creditor took the payments we sent and inadvertently applied to only one account versus both accounts per our instruction, systemically-generating the delinquency. The creditor who made the error sent us a letter, and is remediating ( I actually work for the creditor, have had those accounts for almost fifteen years and never went delinquent ). In fact, I have an excellent payment history on all my accounts with zero derogatory marks. Because we have a high balance on the Lowes card and are in the process of paying down consumer debt associated with a remodel, and due to the misreported item, Lowes shut our card off with no warning and increased our interest rate to over 26 %. I forwarded Lowes proof of the misreported item by the other creditor and they did not take into consideration. Customer service was obstinate and cited a couple times when our payment hit the account a few days after the due date, even though the payment XXXX the account within the grace period indicated on the terms. My husband changed jobs and we had to readjust our spending like everyone else does when a job change happens. We have never missed XXXXne payment or went 30+ delinquent. The person on the other line kept telling us we did go 30 days, so we investigated all three bureaus and our payment history ... she was either mistaken or being dishonest because we also disputed the ridiculous interest rate we were being charged. It is an insult to the consumer to be charged almost 30 % on an account closed by the creditor that never went delinquent and was always paid as agreed within the grace period prescribed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX listed a 30 day late payment on my credit report for XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on Experian and XXXX. Please remove the 30 day late payment from my credit reports.
Product: Debt collection

DEBT WAS AROUND XXXX I WAS CALLED BY THE FBI THAT SOMEONE HAS ACCESS TO MY SOCIUAL SECURITY NUMBER AND THERE XXXX A XXXX HOUSE THAT HAD SEVERAL AUTO VEHICLES WITH PLATES REGISTERED WITH MY NAME AND SOCIAL SECURITY NUMBER IT WAS FOUND IN A XXXX XXXX IN TEXAS THEY TRIED TO LET HER KNOW WHAT WAS GOING ON SHORTLY THEREAFTER SHE WAS CONTACTED BY HER WORK THAT HER PAY WAS BEING GARNISHED AND TRIED TO CONTACT THE XXXX  TO SEE WHAT WAS GOING ON AND THEY WOULDNT TELL HER ABOUT THE DEBT SHE DOESNT OWN A CAR AND HAS NO CAR LOANS THAT SHE HAS TAKEN OUT IT WAS FRAUD BUT SHE WAS UNABLE TO INVESTIGATE IT BECAUSE SHE WAS POOR AND HAD NO RESOURCES SO SHE SPENT ALL OF THE HARD EARNED MONEY THAT SHE HAD TO FILE A BANKRUPTCY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres a gym called XXXX XXXX they tricked into a membership to sign up for a promotion they had for {$1.00} a month and then turned around and said I owe them around {$2000.00} dollars! Now they have sent my account over to a collection agency named Kingston collection Ive tried to dispute this with both the gym after they never canceled my membership after the first month of me requesting to cancel it they also told me if I didnt work out there after that month it would be automatically terminated! I would like this matter to be properly resolved and Kingston collection to take me out there database!
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently pulled a copy of my credit report and noticed accounts i did not open
Product: Mortgage

At XX/XX/2017 market close XXXX traded at XXXX. I am concerned about the ability of XXXX to continue as a going concern. It is time for XXXX-DiTech to advise its debtors about the transfer of loans when XXXX ceases to function. How will the likely XXXX bankruptcy be handled? How are the debtors to prepare for the transfer of their loans? How many more months does XXXX have before it is delisted from the XXXX?
Product: Checking or savings account

This complaint regards a BOK Financial checking account, which I opened in mid-XXXX at a XXXX branch of what was then Bank of Arizona. Since then, I have made frequent use of the account for debit-card transactions, ATM withdrawals and international wires. 

On XX/XX/2020, an attempt to pay a medical bill using my debit card failed, and I noticed subsequently that I was unable to log into my online banking or withdraw funds using an ATM. When I called XXXX XXXX, I was told my account had been " terminated. '' I had not - and, to this day, have not - received any kind of written notice to that effect. 

When I asked for an explanation, I was told that only the bank 's fraud department would be able to provide details, and that said department was closed. Ultimately, a supervisor told me that I had been labeled a " potential mule '' in internal notes. The supervisor said she did not know on what basis the fraud department was making that accusation. 

I noted that, particularly in the midst of the current pandemic, there was an urgent need for me to retrieve the {$1300.00} deposited in the account. I was nonchalantly told that I no longer had an account with BOK Financial and that my funds would be returned in the form of a check to my address or file in a time frame that could exceed 10 business days.

I asked to be connected to the fraud department and left a detailed voice mail about the aforementioned events, expressing my outrage and having been labeled a " mule '' and asking for an explanation and assistance. My call was never returned, and BOK Financial has not reached out to me in any way.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, son XXXX, dob XXXXthe cfpb complaint has been file to request pursuant to FCRA 605b ( 15 u.s.c 1681c-2 ) that you XXXX reporting agency block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of receiving this complaint. this fraudulent, inaccurate information, consists of a personal loan from XXXX XXXX XXXXXXXX XXXX XXXX opened on XX/XX/year> and account number ( XXXX  ) XXXX I do not recognize the aforementioned account or collection account. this account that is reported by XXXX was not made, initiated or opened by me. the aforementioned account is a result of identity theft and fraud. I have attached a copy of my FTC identity theft criminal complaint #, that XXXX of from the FTC that this account is fraud.
Product: Credit card or prepaid card

Acct # XXXX XXXX Department Store Credit Card. I have had my XXXX card for years never missed a payment. Always been a great customer. XXXX recently closed my account. I was making a payment from a bank account I rarely use. The bank thought it was fraudulent activity so they refused to pay XXXX. Due to no fault of my own. And because of this XXXX closed my account. I did call and try to resolve this issue. I also made a payment as soon as I discovered what happened I made a over payment for over the amount owed. They still closed my account. I do not want any negative impact on my credit score for a closed account. I did what I was supposed to do. Please take care of this. And if I have to get a special note on my credit report that states XXXX was at fault. Then I am in agreement with that.
Product: Debt collection

I have an open complaint with National credit systems. I have more information that shows, I never resided at XX/XX/XXXX. The only legal document on file is a signed lease agreement without my name or signature on the document, provided fromXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2021, XXXX XXXX XXXX, which held my monies in escrow prior to my closing on a home, wired the payoff amount to the Lending Club to pay my loan in full. At the time, the payoff amount was {$30000.00}. However, to this date, the account is still showing a balance of {$29000.00} and my bank account continues to be debited for the amount of the loan payment each month, which is {$720.00}. I have provided the wire confirmation information to the Lending Club and they have not rectified the situation as of yet. Instead, every time that I call the Lending Club, I am placed on hold and told that the back office has to investigate or told that a service request has been entered on my behalf. I have yet to hear from the back office and {$720.00} continues to be debited from my account on a monthly basis since XXXX, 2021. I have attached proof of the wire transfer below. Please assist me with getting this situation rectified and the monies that are in excess of the payoff amount, refunded to me in full. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

They charged me overdraft and account fees that were incorrect and for no reason
Product: Debt collection

Upon reviewing my credit report on XX/XX/2022, i noticed i had a charge off from Macy 's XXXX being reported on my credit. I have sent a letter to them asking for a XXXX as this account was charged off/ meaning I no longer owe them. 

Per section 15 us code 1681b, they need permission to report this to my credit report. I have never give Macy 's permission to report anything to my credit. This account is closed and they have already been paid.

I am requesting this chargeoff be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> Re : unverified account XXXX XXXX Account XXXX please mail me a check in the amount of {$4000.00} Dear Consumer Relations at XXXX, I have sent XXXX previous letters to you, certified mail requesting that you remove inaccurate information from my file. Despite my request, you all have FAILED to provide me a copy of any ORIGINAL documentation ( a consumer contract with MY signature ON THE CONTRACT ) which is REQUIRED under Section 609 ( a ) ( 1 ) ( A ).

As per the FCRA, your failure to reinvestigate is an intentional and negligent FCRA violation.

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to properly investigate this account, Not only that, but you have also failed to provide, per my request, the method of verification as required under Section 611 ( a ) ( 7 ) and under 15usc1666 ( a ) proof I received each periodic statement required by section 1637 ( b ) of this title was mailed or deliver to me no later than 21 days before the payment due date. I am due {$1000.00} per violation : 15 U.S. Code 1666 ( a ) Time to make payments Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 USC 1681b Permissible purpose of consumer reports IN GENERAL-Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates
Product: Credit reporting or other personal consumer reports

TransUnion XX/XX/XXXX **Current Credit Score XXXX I have had to keep my credit file frozen for illegal attempts. I have literally been in tears, I finally opened a XXXX which is in my name XXXX XXXX XXXX XXXX, and these 3 illegal items remain on my report that I have been disputing and pleading to get removed for over XXXX days. I know your tired of my submissions but please remove these illegal items. This is hurting my company because I can not obtain funding with derogatory marks on my report. These are the only 3 things that continues to hurt like SEVERELY HURT MY SCORE! Im asking for the millionth time please remove these items off my report. Its seriously has hurt my future with these illegal items thats still being closed/reopened on my credit report even dating til XX/XX/XXXX. My score keeps fluctuating because I will not stop deleting these illegal/fraudlent accounts that was ILLEGALLY obtained in my name and various different avenues. My information is currently still being breached on the dark market as I attached its the reason why I froze my report. 

Please remove these 3 illegal items off my **TRANSUNION** credit report as I have previously stated over 4 months ago +. Please Remove!!!!!!!! 


XXXXXXXX XXXX XXXX Balance {$13.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$57.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance {$150.00} XX/XX/XXXX I will not stop disputing. I opened a business, with an XXXX and these illegal items are hurting me. I signed up for credit strong and kifoff, but I have to UNFREEZE MY REPORT so positive information can be added but I need these 3 illegal items removed. 

XX/XX/XXXX
Product: Debt or credit management

Transunion did not provide adequate service referring freezing my accounts. Other agencies were able to obtain my information and when I spoke to someone I didnt get any answers but had me transferred to different departments and most of the credit inquiries I had disputed was either ignored or came back verified which is in violation of the FCRA because disputes was not investigated at all
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information.

I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file.The items I need deleted are listed in the report.I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit.Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

This account was opened for XXXX care on XX/XX/XXXX. I had subsequent appointments but never received a bill until after XX/XX/XXXX with an attached late payment due. Immediately following with mass texts and mass calls from automated # 's. And furthermore, they sent the bill ( after 3 months ) to my daughters address which is 300 miles away and not the address that I gave them for billing. Obviously, if that wasn't my daughters address, I would have never received a bill and would be in serious arrears because of an error on their part. I called a # on the bill when my daughter sent it to me on XX/XX/XXXX ... XXXX, talked to a woman who told me that the text and calls are not from her company, but as soon as I hang up and think the problem is resolved, they are calling and texting again. Today i received more than 6 calls and 2 texts. This company says it is XXXX XXXX but does business as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Ohio XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on my credit inquiries I see in the last weeks some fraudulent inquiries i am guessing may be linked to fraud effort to obtain a car purchase or car loan or finance, from companies such as ( I am not trying to get any such matters and never contacted any of these companies ever ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and maybe more. 
someone is fraudulent and stealing my identity and I need this stopped and investigated. 

I put fraud alerts and credit freezes on all three credit reports and their fraud division needs to review this also. no one should access my info! its all fraud..
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. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX 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 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.