23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I ordered an XXXX XXXX gen with an XXXX XXXX through XXXX with Affirm on XX/XX/2022 they said I would have to sign the package but the shipping company XXXX left the box on my front porch with no signature and nobody was home. After getting the alert, I ran home and found my package was missing. I immediately reached out to XXXX to see what happened. They said it was delivered and to reach out to the shipper to verify. After I opened a ticket and talked to XXXX customer service they said that the package was scanned at my location but confirmed it was not signed for as it was stated. After that, I reached out to XXXX with the evidence and they said that if I paid for it myself they would give me a refund right away. But since it's with Affrim I would have to reach out to them directly. I reached out and provided the information to Affirm and they told me to just wait to see if it ships. A couple of days later part 2 of my order was shipped with XXXX ( the XXXX XXXX ) when it shipped I immediately let them know I received part 2 of my order but am still missing part 1. I then followed up on the order a couple of days later to say I'm still missing it and they responded by saying the item was delivered and showed me the tracking number of the XXXX package which was just the XXXX XXXX priced at under XXXX XXXX I argued I am still missing my XXXX with no luck, I was stuck in a loop with Customer service with everyone saying that I got my order until I escalated it twice to a manager so I could speak with someone not just chat. Every time I escalated it to a manager they agreed with me that I shouldn't have to pay for the item I never received. I don't mind paying for the XXXX XXXX but I would have rather returned it since I never received my XXXX ( main item in order ). A couple of days after escalating the issue I would get told the item was shipped and get provided the same XXXX tracking number again as if they had no idea the 2 items in my package were sent with 2 separate companies and after 3 months of the same loop they sent it to a collection agency. I am in the process of disputing with them too this whole process has been very anti-consumer. My credit is taking a hit and they are expecting me to pay XXXX XXXX  + for an XXXX I never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently examined my credit report and have noticed some inaccurate accounts that are being reported on my credit report. These derogatory accounts do not belong to me. I also have no knowledge of these accounts and have no knowledge of who would have admittance to my credit. Unfortunately, due to these false accounts, I have no chance of gaining new credit. I am pleading for a reinvestigation into this matter and to have these derogatory accounts removed from my credit file.
Product: Debt collection

On XXXX I contacted the debt collection agency MRS BPO Located in XXXX XXXX XXXX XXXX XXXX NJ XXXX at XXXX because my debt from XXXX XXXX had been transferred to them. I was able to resolve the debt and provided them with my updated Mailing address and contact number as well as set up a payment arrangement with them. On XXXX they took a payment out of my checking account and on XXXX, they reported to the credit bureau that my account was delinquent. I was not notified about the account prior to me initiating the call. I was not notified that a negative/ delinquent account status will be posted on my credit report. On XXXX at XXXX XXXX I called MRS BPO to have them remove the collection off my credit since I had a payment arrangement set and they stated that they are not able to, and stated that they would send me an email with proof of payment and also provided me a password to access proof of the payment arrangement notice. Also the customer service agent I spoke with stated repeatedly that I would have to wait 30 days from XXXX to have the debt reflected as being paid on my credit report. They did not provide me with certainty on their actions. On XXXX at XXXX I called to follow up on the said email with my proof of payment arrangement and I was placed on hold, and then told that their computer system is not able to generate a letter or email me proof that I am making payments on the account. Currently, My credit report shows a delinquency even though my checking account will be drafted every month the amount of {$92.00} by MRS BPO. I believe that I should be provided proof of payment on demand and also my credit report should not have reflected the negative balance. Also when I asked to speak to a manager, there was no one put on the phone to speak to me and go over detailed answers to my question about their credit reporting practice.
Product: Debt collection

I am not liable for this debt whit XXXX XXXX XXXX  ; I do not have a contract with XXXX XXXX XXXX. they did not provide me with original contract as requested!!!
Product: Student loan

1- We got a student Loan From Sallie Mae XXXX A federal Institution created by the congress to fund education. this is what we tought when we sign with them in XXXX that it was a government entity that serviced federal education loans. 

2- It was too late when we realized this was not part of a federal loan anymore but private loans. 

3- Sallie Mae Has been calling me everyday even sundays trying to collect, I told them I am XXXX at this time, but they are not interested to work with you. 
4- I called them back trying to find a middle point and some negotiation but they said they have nothing I qualify to help me, to call them back when I get a job. 

5- they are threatening to garnish my wages when I get a job. 

6- Even when I did small payments when possible, they reported us to the Credit bureau XXXX our credit is ruined just because of a student loan. 

7- Their interest rates are really high and keep going up, at the end if some day we will be able to pay this loan back, it will be almost 3 times the amount we borrowed it. 

8- I want to know when and how the Goverment privatized Sallie Mae XXXX and how they did it. 

9- They are not open to any negotiation, They do not care about students or education, this is just a depredator business created with good intentions by the congress XXXX but privatized and keeping the name only to confuse borrowers, how the goverment allow this kind of very profitable private corporation take control of Students loans. How this happened? nobody can answer.
Product: Credit reporting

My mortgage was sold in a refinance deal in XXXX 2016 from XXXX, to XXXX ( briefly ), with final sell to XXXX XXXX ( and my credit report shows this ). However, the new financial institution to which I am making payments ( XXXX XXXX ) does not show holding this mortgage or my payments on my credit report as of XXXX/XXXX/2016. I have made XXXX payments and, after filing a complaint about not receiving transfer of service documents, received documents about 3 weeks after disputing. Those servicing documents said that XXXX XXXX, the servicer of my mortgage loan, reports credit to the credit bureaus. However, according to my credit report, they have n't ( at least for my mortgage ). See pages XXXX, XXXX, and XXXX of the attached documentation for highlighted/affected areas ; entire credit report attached in order to show there are no open mortgage accounts under any other name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reopen the complaint with Experian regarding the incorrect address where I have lived since XX/XX/2000 since it remains incorrect, i.e., 'XXXX  XXXX ' is omitted. Under Personal Information in my Experian Credit Report, the current address where I have lived since XX/XX/2000 should be corrected from : XXXX XXXX XXXX XXXX XXXX, MD XXXX to the correct address, i.e., add XXXX XXXX : ' XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX As documented in the previous complaint, I've been trying to get this simple correction done for several years. What is the problem that Experian can't make this simple correction?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have monitoring services with all three credit bureaus which allow me to unlock and lock my credit report, since I am a continuous victim of identity theft. On XX/XX/XXXX, someone unlocked my credit report without my consent and then called and changed addresses, phone numbers, added accounts, credit cards opened, rented a place with my social security number. When I called to see how my credit report was unlocked when I had locked it back in XXXX, they kept transferring me to one department to another and manager to manager. Nobody could answer my question. I was left having to clean up the mess when I am paying them a monthly fee so that I and I alone can unlock and lock my report. I asked them if there was an additional step I could take so that someone impersonating me could not call and unlock my report and they told me that no
Product: Credit card

Hello, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX ELAN FINANCIAL SERVICES CREDIT CARD # XXXX OPENED ACCOUNT ON XX/XX/2006, ACCOUNT CLOSED THIS CARD SHOULD HAVE BEEN OFF MY REPORT, ALSO I DON'T HAVE THIS CARD ANYMORE. I CALLED ELAN FINANCIAL AND THEY SAID IT'S IN COLLECTIONS, THEN THEY SAID IT'S CLOSED, THEN THEY SAID THEY DON'T SEE ANYTHING. THIS COMPANY IS STOPPING ME FROM GETTING CREDIT CARDS FROM DIFFERENT COMPANIES. I HAVE BEEN CALLING ELAN FINANCIAL FOR XXXX WEEKS, TRYING TO CLEAR THIS MATTER UP. PLEASE HELP ME OUT. I KEEP GETTING TRANSFERRED TO DIFFERENT NUMBERS, BACK-TO-BACK.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going back and forward with Transunion about inquires that clearly are not mine, I have been a victim of Identity theft. I sent in dispute after dispute to have these accounts removed. somehow, they keep coming back as mine. When I ask Transunion to send me documentation with proof of how these inquiries are being verified they never do. This has been a burden on me and my family. Listed below are the fraudulent inquiries. 
XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XX/XX/2022 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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. 


In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX Account # 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. 



In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account # 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. 



In accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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. 



In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account # 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. 



In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to XXXX, Equifax, and XXXX  on XX/XX/2020 to notify them of the accommodations provided by the newly passed HEROES Act in relation to my credit report.

After the allotted time, there was no adjustment made to my credit report from either agency with regards to the properly submitted documentation and in honorable of the Moratorium.

After contacting each bureau I was instructed to contact CFPB and file my complaint.

HEROES ACT Section 110401 is a Moratorium on negative credit reporting during COVID-19.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing a complaint to you today to inform you I was the victim of identity theft and I want the erroneous accounts in my credit report to be removed immediately. I already sent the necessary documents and files in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this website. Here are the accounts that are erroneous in my file and need deletion : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX ... Balance : {$39000.00}
Product: Student loan

Navient calls my phone multiple times a day every day. If I block the number they then begin to call from another number calling everyday. I have been notified by my sister, mother and a guy I dated that they too have been contacted by Navient in regards to student loans. NONE of these ppl had anything to do with these loans. I am filing a complaint with EVERY agency I can find because these ppl WERE NOT authorized to illegally get phone numbers and call ppl associated with me violating my privacy. This business should be shut down due to its illegal tactics.
Product: Consumer Loan

I reached out to, on XXXX from an email and phone call I got, for what I thought was a reputable loan finder and they set me up with a bank in NYXXXX called Investors Bank. I knew better, but I was desperate for the {$5000.00} loan they were offering. I paid some upfront for, what I now know is scam charges such as bank connection fee and so forth.I paid them around {$620.00} in fees to complete the loan. I was n't fully aware no bank would ever ask for fees up front. 

They claimed they were having trouble depositing my loan into my account so they did a " test deposit '' of {$1400.00} which I figured was legit and I was to pay it right back and I 'd get the full amount of the loan. What I did n't see was they disputed my XXXX XXXX XXXX charge ( basically called as if they were me to the dispute dept at XXXX ) and XXXX credited me the XXXX rent, vs them actually " depositing '' money. That 's why that {$1400.00} was in there. So I paid it back to them, and they promised I 'd have the loan amount in my bank this am. 

I contacted XXXX as I got an email about the dispute and put XXXX and XXXX together. To stop my apts basically getting an NSF for XXXX rent, I had to cancel that dispute. It will come out of my account tomorrow and I 'll be negative, big time. All in all I lost around {$2100.00} to these people and they are still asking for more money for the " transfer fee '' to complete the loan. I recorded the conversation and have reported them to the FTC and the XXXX XXXX. I also reported this to Investors Bank who said these men do not work for them and they reported it to their fraud dept.
Product: Credit reporting, credit repair services, or other personal consumer reports

Before I started, I would like to let you know that this is my first complaint and I'm not using any third party for this matter, I represent myself by myself. 
It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621.

The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 
In accordance with the Fair Credit Reporting act. The List of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX  XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 US.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. 1681 c. ( 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 crime which antedates the record by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person known or reasonable cause to believe that the information is inaccurate. 
Please note, that account has been posted only by Transunion Credit Bureau, I have obtained my report from all XXXX Credit Bureau, XXXX and XXXX has removed this fraud account from my report, but Transunion keep posting and completely neglecting my rights. HOW THEY CAN saying to me VERIFIED OR VALID OR UPDATED WHILE OTHERS AFTER RECIVING MY PROOF OF STATMENT HAVE BEEN DELETED THAT ACCOUNT IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I recently discovered some unauthorized inquiries on my credit report, which raises concerns about potential identity theft. Could you please someone has submitted applications or requests using my name without my consent I would like to remind you that, in accordance with the Fair Credit Reporting Act ( FCRA ), any unverified and unauthorized items must be removed from my report immediately. Thank you for addressing this issue promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, CFPB : BBVA, Banco Bilbao Vizcaya Argentaria, Bank ( headquartered in XXXX and XXXX Alabama ) IS NOT IN COMPORTMENT WITH REGULATION E.

( 1 ) I FILED A DISPUTE on XX/XX/2020 ( SUNDAY ) to facilitate A CHARGEBACK to XXXX XXXX located at XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, Georgia XXXX ) in the amount of {$840.00} ( {$590.00} directly charged to BBVA debit card ) because XXXX XXXX committed FRAUD AND THEFT BY DECEPTION AND THEN BECAME MENANCING. The XXXX Georgia ( ZONE XXXX Cops ) were notified and A POLICE REPORT FILED ( XXXX ). XXXX XXXX and XXXX have been issued a notice to CEASE AND DESIST LETTER for annoying and harassing email and telephone calls. BBVA bank is refusing to issue the REFUND NOR ( AT THE LEAST ) A PROVISIONAL CREDIT TO MY BBVA ACCOUNT PURSUANT TO REGULATION E. I REQUIRE MY MONEY AND ALL STEPS HAVE BEEN TAKEN FOR BBVA TO ISSUE A CREDIT OF {$840.00}. 

( 2 ) BBVA IS REFUSING TO HONOR A REQUEST FOR DEPOSIT OF {$250.00} PROMOTIONAL INCENTIVE FOR OPENING THE BBVA ACCOUNT ( MEGA2019, ACCOUNT OPENED ON XX/XX/XXXX, XXXX-TUESDAY ) despite FULFILLING ALL REQUIREMENTS. I MADE THE REQUEST BECAUSE AN EMERGENCY HAS ARISEN AND I NEED MY MONEY NOW. 

BBVA IS ALLOWING RANDOM ACTS OF FRAUD TO BE COMMITTED ON MY BBVA ACCOUNTS ( WHICH ARE IN EXCELLENT STANDING ) AND I AM ENCOUNTERING THE INCONVENIENCE DUE TO BBVAS LACK OF ACKNOWLEDGEMENT TO UNITED STATES FEDERAL REGULATIONS AND BBVAS INCREDULOUS LACK OF EFFORT IN HOLDING THE CRIMINAL MERCHANTS ACCOUNTABLE. 

Sincerely and Respectfully, XXXX XXXX XXXX Phone : XXXX Email : XXXX XXXX
Product: Checking or savings account

I have a company that I canceled my subscription in XXXX. I noticed this company trying to withdraw money from my checking in XXXX. 

I notified Pacific Premier bank regarding this issue. I asked if they could place a block on this company to prevent withdrawls from my account bc I had not given them my new debit card number on purpose. 

I was told by a Pacific Premier Bank gentleman who answers at customer service that he had placed a block on my account for this merchant. I said good thank you bc I don't know how they got my card number as I NEVER gave it to them. 

Later in XXXX I noticed a charge for this merchant and contacted Pacific Premier Bank. They told me they'd reverse it. 

I ended up in the hospital that month and was not dc 'd till the Middle of XXXX. I did not have my phone bc phones r banned in hospitals bc they can carry covid into the hospital. 

I noticed when I was dc 'd on my checking account That Pacific Premier Bank had allowed this company to withdraw money in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX even though they stated there was a block on this merchant. 

I called the merchant who stated they were reversing the charges but they never did. I asked them how they got the numbers for the last XXXX debit cards and they refused to give me this info. 

In XXXX my bank had finalized the merger with XXXX ( my original bank ) so they changed cards again. So why did Pacific Premier Bank allow charges on 2 cards that were never given to XXXX?! Especially if they told me there was a block on my account?!! 

Sounds fishy to me!!! Someone in Pacific Premier Bank is giving card numbers out to ppl. 

I spoke to Pacific Premier Bank on XXXX occasions and they told me it was my problem even though they had to have given the merchant my card number and told me there was a block on my account. 

FRAUDULENT ACTIVITY BY THE BANK AND XXXX XXXX. WANT BOTH. INVESTIGATED. 

Plus I've notified the Bank I am unable to access my online bank statements on their site ( on multiple occasions ) and did not authorize electronic statements in the first place.