23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

The issue is with Comenity Bank regarding a XXXXXXXX XXXX XXXX purchase. 
I made a purchase back in or around XX/XX/year>. The purchases were : Magnetic Curtain Rods and a floor mat. 
Unfortunately the curtain rods did not work for me so I returned them however I kept the floor mat. 
I returned the curtain rods ( at my expense ) sometime in late XXXX or early XXXX. I called about XXXX weeks later to make sure that they were received. I was told by customer service that XXXX was in the process of installing a new technology system and that they could not access any records. I was told to call back in a few weeks. I called back XXXX or XXXX weeks later. I was informed that they were having issues with the new system that was installed and I should call back. I called back a week or XXXX later. Now I am informed that they have no record of my items being returned. In the meantime I have made XXXX or XXXX payments to more than cover the mat that I kept. 
I have been dealing with this all year. We are getting nowhere. They claim to have looked into this XXXX or XXXX times, and they conclude the same, and that is that I owe them for this merchandise. 
The original order was around {$220.00}. Now they are insisting that I owe over {$400.00} ( this included all types of late fees... etc ). 
Look I am a XXXX year old veteran. I am not trying to swindle XXXX XXXX  out of {$200.00}. I also am not in a financial position to give them money that I DO NOT owe them. 
Obviously either the XXXX XXXX lost the package or XXXX receiving dept misplaced it. Either seranio is not XXXX I feel I should be responsible for. I wish I had sent the packages registered but honestly I just could not afford it. 
I returned the merchandise and paid for the XXXX item I kept. I am sick and tired of going around in circles with them regarding this issue. 
they are destroying my already pathetic credit. 
I want them to take this off my credit in a manner that will not harm it any more. I can not be responsible for what the XXXX XXXX or their receiving dept does. 
I promise to close this account ant to NEVER utilize XXXX  ever again nor will I ever recommend them to a living or deal soul!!! 
Please help me. I am so tired of dealing with this!!!!!!!!!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have variuos accounts that are in accuratley being reported and are detailed in the letter I am attaching
Product: Credit card or prepaid card

Dear Discover, I am writing to dispute the debt that you claim I owe. I have carefully reviewed my records and have found no evidence that I owe this debt. I request that you provide me with detailed documentation of the debt and the basis for the charges. If you are unable to provide this information, I request that you remove the debt from my account and cease all collection activities. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several complaints to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX  XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  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 XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to ensure my private information is not shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, XXXX XXXX XXXX has recently been involved in a $ XXXX Car loan settlement. I know that I am a part of this settlement and would like to move forward with receiving my title for my XXXX XXXX XXXX XXXX. I got this car back in XXXX when I was making {$12.00} an hour. My original loan amount was {$13000.00} at the time. Currently I have monthly payments of {$300.00}. Looking back I definitely was taking advantage of because I could not afford that loan at that moment. At that time I was making my payments on time and XXXX was reporting my loan as late and delinquent when I was not. I have a lot of late payment on my account that are not accurate and is causing my credit score to drop. I am not able to get approved for anything like a home loan because of these delinquent late payments that are on my account. To resolve this issue I would like XXXX to hand over my title and pay out my auto loan in full. Also delete completely of my credit report. I have had numerous issues with this company not reporting on time with my credit report. Also XXXX has deleted good on time payments dated back to XXXX and XXXX for no reason. I have called XXXX numerous of times and they have not done anything to resolve this issue. I have also sent out dispute letters to them and they always come back with telling me that everything is accurate when I know its not. I would really like this issue resolved as soon as possible.
Product: Debt collection

I am not XXXX percent sure what incident they are referring to but would have been with the XXXX, the only other would have been with a car accident and there is definitive proof that it was paid and never sent to collections. 
All XXXX I believe times I was taken by squad with XXXX XXXX XXXX. They use XXXX XXXX in XXXX, ohio to do the billing. I called XXXX and they said I have nothing outstanding, nothing was charged off or sent to collections. 

The bill collector is saying the hospital XXXX XXXX created this, the only time I was squadded into XXXX XXXX was after the VA XXXX XXXX XXXX authorized and told me to get squadded. Meaning they pay for it, when I arrived to the hospital they got my XXXX ID for insurance purposes and billing. Apparently they didn't bill it correctly, or refused to. Also the XXXX refused to take me to the XXXX  the va said to go to, they have refused service before on an emergency call prior to this also.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already spoke with the company and Paid off the bills. 
The action was taken this morning Amounts was : {$2000.00} paid off
Product: Checking or savings account

On XX/XX/2023 at approximately XXXX XXXX  XXXX XXXX attempted to make a deposit at the PNC ATM located at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX in the amount of {$640.00} I inserted the money into the machine and as it was counting the money on the screen the screen then indicated unable to process this transaction. It retained the money and did not provide any receipt. I then attempted to reperform the function and the deposit feature was greyed out and not an available function. 

I then chatted with a PNC XXXX " XXXX XXXX '' on XX/XX/2023 to file a REG E dispute reference # XXXX. Provisional credit was issued. As a result, I had several Overdrafted transactions costing me {$110.00} in fees. On XX/XX/2023 my provisional credit was reversed. I did not receive advanced notification that my account would be debited. I contacted a PNC agent to reopen my claim - new claim id XXXX agent name XXXX. Since my provisional credit was reversed I may incur additional overdraft fees. 

I asked to escalate and speak to a supervisor and I was told it would not be of help. I wanted to know if the machine cash balanced when serviced by their vendor and balanced to the electronic journal or settlement receipt. I also would like to know if other customers had filed claims on the machine which may not since the deposit feature was disabled after my transaction. I would like to know if video was reviewed showing my transaction. I would like to understand if there were any software or machine malfunctions noted. I was not provided any details of this nature. If the machine was functioning properly were there additional deposits successfully completed after my transaction?
Product: Debt collection

As of currently the company has turned a XXXX XXXX XXXX XXXXXXXX XXXX  to my credit report under a debt collection agency called Arbor Professional solutions. Not only was I fully covered under a medical insurance plan that was never billed although presented but then it was placed on my credit report which medical bills aren't even allowed anymore. The company also tried to serve my parents with a subpoena to sue me for a debt that insurance should have and would have covered if proper procedures were followed. In accordance with the fair credit reporting act XXXX  arbor professional solutions, has violated my rights. 15 U.S.C 1681 section section 602 A states I have the right to privacy. 15 U.S.C 1681 Section 604 A sections 2 : it also states a consumer reporting agency can not furnish a a account without my written consent instructions. This is an error that is greatly affecting my credit score, my credit profile, my ability to acquire credit and my overall emotional state receiving daily calls and people coming to my home to deliver subpoenas.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals.
Product: Debt collection

Dear [ Creditor 's Name ], I am writing to formally dispute a debt that you claim I owe, as per your communication dated [ insert date of communication ]. I believe this debt is inaccurate and am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692 ( g ) and 15 U.S. Code 1692 ( c ).

Under 15 U.S. Code 1692 ( g ), I am entitled to request validation of the debt, including the original creditor 's name and the amount owed. I kindly request that you provide me with this information within the statutory timeframe. 
Furthermore, as per 15 U.S. Code 1692 ( c ), I am requesting that you cease all collection activities until you provide the necessary validation. This includes any reporting of this debt to credit reporting agencies. 
Please acknowledge receipt of this letter and respond with the requested documentation to validate this debt. 
Thank you for your attention to this matter. I look forward to your prompt response. This is what I sent to the company
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX XXXX Address : : XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear Experian I have previously disputed this item with you US BKPT CA XXXX XXXX Docket # XXXX and in response you verified the item as accurate, stating that you have verified the information with the court. I have contacted the court and their response is enclosed. It is very clear that They do not report to you or to any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with the FCRA 611 ( 15 U.S.C. 1681i ) and the information must be deleted immediately. 

I have attached the Court Response letter regarding the method of verification of a Bankruptcy and I also have attached the letter that I have received from XXXX stating that the Bankruptcy was removed from my credit file.
Product: Credit reporting or other personal consumer reports

I previously disputed the following inquiries from my TransUnion credit report. I received correspondence that they would delete the information from my report but theyre still reporting on my credit report! These inquiries were not initiated by me and do not belong to me!! There are also XXXX accounts being reported that do not belong to me as well, they are XXXX XXXX Bank and XXXX XXXX XXXX!! 

I am a victim of identity theft and would like this information removed from my report. I have tried serval times to dispute the inaccurate information with TransUnion however they have failed to resolve the issue! I am also a victim of human trafficking and may I need my credit restored as soon as possible. 

XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX BANK XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX FINANCE XXXX XXXX XXXX via XXXX XXXX XXXX XXXX CARD SERVICES XXXX XXXX XXXXXXXX XXXX XXXX CARD SERVICES XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX via 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 is reporting a fraudulent XXXX business credit card, XXXX XXXX collection account that is result of identity theft, XXXX inquiry and addresses that does not belong to me. This incorrect information is effecting my credit score which could have an impact of my employment ; I am an accountant and it is required of me to maintain a good credit report at my job.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday I pulled my credit report and I noticed I have accounts on my credit report that don't belong to me nor have I ever authorized. I notified my lawyer and she instructed me to file a complaint with the CFPB first. The following accounts are fraudulent and are not mine and need to be deleted from my credit reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Also these inquiries are fraudulent and not mine and need to be deleted from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also see several inaccuracies with my personal information. The only name that I have ever used is XXXX XXXX, my address has always been XXXX XXXX XXXX, XXXX, IN XXXX and I am self employed. My only number is XXXX. None of the other information applies to me nor has it ever and needs to be corrected. Please correct it as well. Please help me.
Product: Checking or savings account

This is going back several years when I opened this account. I never knew the effect this has had on my credit until my new employer brought this up to me. I opened up a new checking account several years ago and they issues me a temp debt card. I had been using the card until my new card came in the mail along with my new checks. I noticed that my last name was wrong on my checks and my card. I went into the branch to address this situation with the girl that opened my account. However she was no longer with the branch. I explained to the teller what happened however she wouldn't look into the acct because the name on my license didn't match the checks or card : ( It shows on the credit report that there is a {$610.00} balance. Not sure how this is possible with a debt card. 

I FILED A POLICE REPORT PER MY NEW EMPLOYER The account # that shows on credit is XXXX PLEASE HELP ME
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXX many times in an attempt to rectify this issue. They are reporting late payments to the CRAs even though the terms were {$XXXX} for XXXX months. The account was paid off before then. In fact equifax shows XXXX derogatory months while XXXX XXXX shows XXXX. The amount due was paid in a lump sum of {$XXXX}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact Equifax over 5 times about an inaccurate account that is not mines but yet they have it reporting to my account. THE FCRA Law states all information should be true and accurate! They have yet to remove this account off my credit report nor have they been able to provide proof of this account being mines. This account is not mines and there is no such knowledge of this account this is why they cant provide proof. THe law states all information should be accurate. Please remove the account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX is not my account
Product: Credit card or prepaid card

Avant Credit Cards are a scam They pretend they are sending a card. I never receive the card.After 10 days call them back, they say we will send you another, they never did. I called, emailed, kept telling them they did not send it. They ignored me, and ignored me. I never received the card, it is a non-activated card. They went ahead, and put their annual fee of {$39.00} as a balance owed..on a never received card, never activated. This is unethical. I said I want the account closed ASAP. They replied not until you agree to pay the balance ( {$39.00} fee ) to XXXX balance. I told them I never received the card, you can not charge the annual fee. The scam is never send a card, ignore complaints that never received, so they can charge {$39.00} fee, then insist you must pay it or can not close the account. There are many many complaints on XXXX about other people never getting their cards and told they can't close the account until you pay the {$39.00}. Many complaints just like mine. This is frightening how Avant is allowed to rip off people even with credit score of only XXXX. They generate fake card numbers ... yes they do. That is how they generate the {$39.00} annual fee to make you pay it.Then if we do not pay for a fee on a card never received, they pile up late fees. Its a scam to get XXXX 's of customers to pay them a {$39.00} fee on a card never received, make me and others out to be XXXX. Then hung up on me several times telling them I never received card. Then they send me an email to pay them their annual fee {$39.00}, or late charges will be added.