23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan was transferred from specialized loan services to Shellpoint LLC/Newrez . I have not received a statement from Shellpoint and when I contacted them, they insisted that all information be accessed online. I explained that I prefer to receive a receipt and would like to send my payments either through XXXX XXXX or my bank. Unfortunately, my bank does not work with XXXX XXXX. During the first three months of the transition, I had to call to request my mortgage statement. Additionally, my credit report showed inaccurate information from my previous mortgage lender. When I visited my local police station, they advised me to go to my prior bank before they could take a report from me. Thank you.
Product: Credit card or prepaid card

I have a credit card with Comenity Bank, and they apparently have some " system outage '' for almost a week now. You can't get through to customer service. You can't log in online. You can't make a payment. NOTHING. There is zero information posted anywhere other than it's taking longer than normal. 

I've read socials, and hundreds of other customers have had the same issue. 

If I get charged a late Fee, someone else better be paying it.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Claim XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, OR XXXX Disputed charge XXXX On XX/XX/XXXX I purchased a lounge knit set in a size medium which included the colors kaki, an off white and pink. The image displayed a set which was a top, bottom pjs and a robe. I received the package around 2 weeks after I purchased the items. The sizing wasnt as it claimed to be. The off white was smaller than the other two colors and the 3 sets didnt include the robe. The other two colors were still kinda small on me. I emailed XXXX at XXXX and XXXX which was the XXXX page, to do an exchange or a return and until this day ( XX/XX/XXXX ) I received no response. The sizing that is referenced is off. Im not satisfied with the purchase because I cant even wear it comfortably. Im requesting my funds to be returned. If you go on XXXX at XXXX, there are many reviews with my similar concerns. Hopefully my issues can be resolved. 

I attempted to open a claim with Bank of America. I opened a claim on their mobile app. I reicced a notification a couple days later saying they needed me to submit additional information, which I did on XX/XX/XXXX. I had issues with their site. I called this day and the person I spoke to said I had to fax in the information. I called later that day and faxed them multiple times due to using a fax machine app. The person I spoke to said they received my information and documents. Then on XX/XX/XXXX, I get a email saying they denied my claim because either my documents were incomplete or not received. I called this day and the person I spoke to said they never received my documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid this credit card off in full with the payoff amount they listed on XX/XX/21. Then they added interest fee charges from XXXX until XXXX, when I was finally notified that they reported a late payment on my credit on XX/XX/21. I chose the full payoff and there is no way they should have added interest on a XXXX dollar balance. I called the company and they just kept talking over me reading a script. I asked to speak to a supervisor twice and was hung up on both times. I never received a call, email, or mail communicating that I needed to pay anything until XXXX notified me. I also had automatic payments set up previous to paying it off, so I dont know why they didnt just automatically deduct the interest charge if I actually owed it. 
The company is XXXX and its managed by Comenity. I have been a loyal customer and I have consistently used my card there over the years. Ive paid it off with the full amount many times and never had this issue before. After this experience, Im going to close my account. I would never advise anyone to get a store credit there now.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i sent a hippa letter to experian credit Bureau on XX/XX/XXXX they sent me an notification on experian.com stating that they have updated the app but nothing was changed.. After that i followed up with another dispute that was sent out on XX/XX/XXXX stating that experian was reporting a Date of last activity as XX/XX/XXXX with a account status showing as closed and XXXX  was reporting a date of last activity as XX/XX/XXXX with a account status as open. And if all this information suppose to be coming from the same creditor how is the information thats being reported are all different. I received an email on XX/XX/XXXX stating that the information was updated but nothing was changed..On XX/XX/XXXX i Sent a dispute stating that the account was closed and put into collections on XX/XX/XXXX but the status of the collection has been reporting collection every month and according to the FCRA thats illegal and it alters the dola date
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete hard inquiries listed below:

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX Dear XXXX XXXX, RE : XXXX XXXX XXXX XXXX, # XXXX This is to inform you that I've recently pulled my credit report and noticed that there's a collection form your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. 

As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. 

I hope you are aware of the fact that reporting any invalidated information to major credit bureaus XXXX constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. in addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( XXXX  ) and other state federal agencies. 

Please attach copies of the following documents : Agreement with your client that authorizes you to collect on this alleged debt. 
Agreement that bears signature of the allege debtor wherein he promises to pay the creditor. 
Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 

With regards, Thank You for your time, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, inquiries, and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$7400.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX LL XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX XXXX XXXX Date of inquiry XX/XX/year> XXXX Date of inquiry XXXX XXXX Date of inquiry XXXX XXXX Date of inquiry XXXX XXXX Date of inquiry XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX card wo n't dissolve new card account. I closed account and received new card and did not authorize it and it is getting used by someone. 'I did not want it used. I ca n't make them understand to not use this account. 
I 'm also having problems with my other c/cards. My fraud people will go and change my passwords or pretend to be me and authorize my changes when I want to place a hold or try to cancel. 
There has to be a better system in place to keep my accounts safe when someone finds your ss #. I need help.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its leg obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonab reinvestigation of disputed inforn credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit File Reporting : Violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 1. Several mistakes on my credit report appear minor, but I was told they are affecting my credit score and costing me money. 
Equifax 2.XXXX XXXX XXXX ( CLOSED ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Please delete this account from my report due to its inaccuracies. ) This account information is inaccurate. The account was paid in full as agreed after a consumer dispute with the creditor. Using derogatory language, Charge_off to describe a paid in full as agreed, is damaging to a potential lender when looking at my credit report. Your reporting is inaccurate. Please contact the creditor to confirm that this account was paid as agreed. 


XXXX  XXXX7 ( Please delete this account from my report due to its inaccuracies. ) This account information is inaccurate. The account was paid in full as agreed after a consumer dispute with the creditor. Using derogatory language to describe a paid-in-full as a charge_off damages a potential lender when looking at my credit report. Your reporting is inaccurate. Please contact the creditor to confirm that this account was paid as agreed. 


XXXX XXXX8 ( Please delete this account from my report due to its inaccuracies. ) This account information is inaccurate. The account was paid in full as agreed after a consumer dispute with the creditor. Using derogatory language to describe a paid-in-full as a charge_off damages a potential lender when looking at my credit report. Your reporting is inaccurate. Please contact the creditor to confirm that this account was paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, sent a letter regarding inaccurate, unverifiable and unknown items on my credit report on XX/XX/2020. To date, it is 60 days later and I have not received a response yet. I am now starting to feel like my disputes are being neglected and I am being taken advantage of. Failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days and I am demanding these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Product: Credit card or prepaid card

Hello, This complaint is about US Bank and their XXXX credit card. I've had this credit card with them for a very long time, longer than 15 years. To my recollection, I've never experienced fraud and never disputed any transactions on this account or any other accounts with US Bank. On XX/XX/XXXX, when I received my statement, I noticed that I had several transactions that were not authorized by me. I hardly ever use this card. I only use it for purchases in XXXX  or to make a one time purchase every couple of years, so US Bank would not close my card, as it happened to me before. 
After discovering unauthorized transactions, I immediately locked my card online to prevent further fraud from occurring. I took a day or two to look for my card and double-check with family members if they had seen it or used it. Even though it is not a common practice, I wanted to ensure the charges were not done by anyone I know. 
I realized that I lost my card when traveling to XXXX XXXX and coming back through XXXX on XX/XX/XXXX1. I immediately reported to US Bank every single unauthorized transaction ( which were 5 totaling over {$300.00} ) via their online dispute management system. 
Now, 60 days later, I still have not received a single confirmation that my disputes were received, I did not receive any credit back. I had to make payment out of my own money not to end up paying finance charges. 
I also logged in to the account this morning and noticed that US Bank did not even care to close out my compromised credit card and neither send me a replacement XXXX. 
I would like to report this serious violation of Consumer Financial rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

New information I sent a debt validation letter on XX/XX/22 the alleged debt amount is {$800.00}. I was never notified as a consumer that this debt was sold or transferred to a debt buyer/debt collection agency. This is a violation of my consumer rights per FCRA, XXXX. The notice that I received in reference to this alleged debt is not considered a validation. I also noticed on this form it shows a car that I never owned. Thats considered Fraud. I been disputing this account over a year and this is the first time receiving what they considered debt validation. Please see 15 USC 1681. Your company has violated my consumer rights.This account was deleted and put back on without notifying me as a consumer. Caine & Weiner letter dated XX/XX/22 which is also a violation.This is a violation and I will be seeking remedy.
Product: Credit card

AFTER I CLOSED THE ACCOUNT, AROUND A MONTH LATER THERE WAS A CHARGE OF XXXX OF THERE, THEY SAID IT WAS INTEREST CHARGES.. SO I PAID IT OFF ON XX/XX/XXXX. AND CALLED AND SAID I WANTED NO OTHER CHARGES.. WELL LOW AND BEHOLD NOW THERE IS A CHARGE OF XXXX ON THERE.. NO THE CARD HAS BEEN CLOSED.. I CALLED AND ASK WHAT THE CHARGE WAS AND THEY SAID ADJUSTMENT CHARGES... FOR WHAT. COULD NOT GET A ANSWER... I WANT THE CHARGE TAKEN OFF AND NO OTHER CHARGES..THE GUY TOLD ME HE COULD NOT TAKE THE CHARGE OFF ....
Product: Credit reporting or other personal consumer reports

See attached documents below. These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 15 U.S. Code 1601- Congressional findings and declaration of purpose ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholderreceives no benefit. Under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In according with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting

I have requested the removal of a Chapter XXXX Bankruptcy on my credit report. The credit bureau indicates that the information was verified and validated. I asked for proof of the information. Proof was not provided and was only advised that it was provided by XXXX. I disputed the validity of the information after contacting XXXX and was informed that information was NOT provided to credit bureau. I again requested credit bureau to delete information and have not received response and it has been excess of 60
Product: Money transfer, virtual currency, or money service

I have used paypal to wire money transfer to pay for a merchandise in XXXX, item was faulty and wanted to return it but paypal just closed the case. <P/>Used Paypal for witleing money Seller 's Name : XXXX XXXX XXXX XXXX, XXXX Transaction Date : XXXX XXXX XXXX Transaction Amount : - {$3900.00} USD Attachef a file of faulty item being inspected by a repair man
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX XXXX {$1800.00} XXXX XXXX XXXX {$23000.00}
Product: Credit reporting or other personal consumer reports

This issue with with XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX. 

RE : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX is the issuer for both of these branded credit cards, however, XXXX does not take responsibility for fraudulent attempts to open these cards and I have been unable to reach a person beyond XXXX. 

I saw activity related to these two accounts on my credit reports and then received notifications on XX/XX/XXXX ( XXXX XXXX ) and XX/XX/XXXX ( XXXX XXXX ) that both applications had been denied. 

I attempted to contact the phone number listened for " Manager, Credit Review '' on each letter to dispute the applications and request that they remove these applications from my credit report. 

Both of these applications are fraudulent but neither vendor is reachable by phone to answer any questions about this or to file a fraud complaint.
Product: Debt collection

I was served papers to be sued by Synchrony bank XX/XX/2022 amount of XXXX  attorney XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Complaint Regarding Disputed Fraudulent Accounts on Credit Report Dear Sir/Madam, I hope this letter finds you well. I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the unresolved dispute of fraudulent accounts that have appeared on my credit report. Despite multiple attempts to resolve this matter directly with the credit bureaus, I have not received a satisfactory resolution, and the disputed items continue to negatively impact my creditworthiness. 

Below are the details of the fraudulent accounts that have been inaccurately reported on my credit history : Account Name XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Open Date : XX/XX/XXXX Fraudulent Charges : {$48000.00} Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Fraudulent Charges : {$620.00} I have diligently disputed these accounts with the credit bureaus on multiple occasions, providing all the necessary documentation and evidence to support my claim of fraud. Despite my efforts, the results have been unsatisfactory, and the disputed accounts remain on my credit report, causing significant harm to my financial reputation and creditworthiness. 

I am deeply concerned about the implications of these inaccuracies on my ability to secure credit, obtain favorable interest rates, and achieve other financial goals. As a responsible consumer, I have consistently maintained a good credit history, and these fraudulent accounts do not reflect my financial behavior accurately. 

I kindly request the CFPB to investigate this matter thoroughly and take appropriate actions to resolve the dispute in a fair and expeditious manner. I am confident that the evidence I have provided demonstrates the fraudulent nature of these accounts, and I am eager to have my credit report corrected as soon as possible. 

Enclosed with this letter, you will find copies of the relevant documents supporting my dispute, including but not limited to : Copies of correspondence with the credit bureaus regarding the dispute. 
Proof of identity and ownership of the accounts in question. 
Any additional evidence related to the fraudulent nature of the disputed accounts. 
I trust that the CFPB will act as an impartial mediator in this dispute and ensure that my rights as a consumer are protected. I am eager to cooperate fully with any additional information or documentation required to facilitate a prompt resolution. 

Please acknowledge receipt of this complaint and inform me of the next steps in the investigation process. I would appreciate regular updates on the status of my case and a final resolution as soon as possible. 

Thank you for your attention to this matter. I look forward to a fair and satisfactory resolution of this dispute.
Product: Payday loan, title loan, or personal loan

DEBT RECOVERY SOLUTIONS Have no knowledge of XXXX XXXX XXXX  the company and seen it was a loan place that I have never been to. I have no knowledge of that loan or account. {$310.00}. XXXX XXXX  XXXX
Product: Debt collection

I keep getting calls from someone claiming to be PNC bank. They call me then ask me to verify who I am to them with personal information. I traded my car into a dealership and I have called PNC and told them and they said OK great. But yet I still get harassing calls from their collections department.