23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed the following CFPB complaint with the three credit bureaus on XX/XX/XXXX : " I had an account with Santander ( Acct. XXXX ). In XXXX I had an accident and was out of work. I contacted XXXX and an associate advised that I could have two deferments on the payments. I took those and the began paying again two months later. 
When I pulled my report recently, I noticed a string of 30 day delinquencies starting in XXXX of XXXX and running through XXXX of that year. 
I contacted XXXX and found that apparently the associate I spoke to had only applied ONE of the deferments that was granted to me. 
The payments I was making after that point were simply keeping the account from going 60 days past due. 

This is an error on the part of XXXX ... NOT on my part. I have disputed this with your bureau and it remains on my file. 

Perhaps XXXX correcting it on their system is not enough to update it on your system. Regardless is is hurting my score through no fault of my own. '' Continued : XXXX then removed the delinquency from XX/XX/XXXX through XX/XX/XXXX and then PUT THE SAME DELINQUENCY from XX/XX/XXXX through XXXX of XXXX. This is a willful violation of my rights under the FCRA. 

I have provided a copy of my file as it appeared in XXXX of XXXX. It clearly shows the delinquency ( that was in error XXXX in XXXX. I have circled the delinquency. I have followed this with copies of my XXXX XXXX  showing the delinquency in XXXX ( also from XXXX XXXX. NOTE IT SHOWS NO DELINQUENCY IN XXXX. 

I then provided a copy of my XXXX  file from this month showing the delinquency gone in XXXX but now added to XXXX where it never existed before. 

THIS IS HURTING MY CREDIT SCORE. This willful violation of federal law is punishable by punitive damages in a court of law.
Product: Credit card or prepaid card

Purchase from Park West Gallery XX/XX/XXXX, sold to me after alcohol served by seller & product value misrepresented. Three days later I attempted to verify value of paintings, I contacted the company & advised their representative misrepresented the value & I cancelled shipment & told them I did not want their card, this was the first time I was told about a restocking fee, I advised that I was aware they have been sued for this type of fraud before & I would not be paying any fees. XX/XX/XXXX I received a bill from them {$99.00} I contacted the credit company disputed charges and advised they were fraudulent as I told Park West to cancel the card, and I never received or activated a physical card. They again cancelled the card and investigated. XX/XX/XXXX another card was opened in my name charges for {$65.00} were placed on the card and I received a bill. I contacted both the credit card company and Park West and advised I would not pay because I did not agree to the charges in the first place. They sent me an unsigned invoice and a signed sales draft ( that does not mention any restocking fee ) and a letter that has a breakdown of the fee. It indicates they had the value of the paintings at well under the {$400.00} to {$600.00} each that they gave as the value when they sold them. I received a credit alert last month that they reported the account as closed and delinquent, I disputed the account, but it has come back as verified. I do not owe Park West Gallery anything and this needs to be removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing requesting that you stop reporting certain things that are on my credit report. There are many debts from companies and I dont know who they are. For some, I did see creditors that I recognize but theres no way that I could have incurred that much debt with those companies. 
Instead of sending a separate letter for each, I am just listing the accounts below. Some of these, I saw are going on my credit report. I hereby request that you stop putting them on my reports. If you insist on doing so, please tell whoever uses my credit that I do not agree with the charges. 
For some of these, I have called to say that I couldnt owe as much as it says, but I dont know how to reach each one by phone. Some I have never gotten any letters for, so I dont even know how valid they are.

I know that it is illegal to put things on a credit report that shouldnt be there. So please, I request that you tell my credit reports that I do not agree. 
Please remove all items from my credit report which are not belong to me.
Product: Credit reporting or other personal consumer reports

I need to clarification as to why the credit bureau XXXX, Equifax and XXXX XXXX is reporting certain information on my credit report. Please review the following : Account Name : XXXX XXXX XXXX Account # ending in XXXX Your are reporting this account as open yet you also are reporting a monthly payment and Ive been sent to XXXX XXXX XXXX as a changed off debt collector. Delete this account immediately due to the inaccuracy.
Product: Credit card

They are the credit card company and the bank account company, SOFI. How could they not " draft '' from my savings account to pay my credit card off? No explanation was given nor was I informed at the time of setting up the $ XXXX month agreement was I informed that I needed to make a {$100.00} payment to become current with my credit card account. My phone number is XXXX. I'll be expecting your call as well as calling the CFPB.
Product: Payday loan, title loan, personal loan, or advance loan

i applied for a personal loan on XX/XX/year>, from XXXX and was redirected to Upstart. The loan was to pay off credit cards totaling about XXXX. Upstart denied me after doing a soft credit pull with XXXX and XXXX. They stated that the credit bureaus reported i had issues repaying my current creditors and they could not verify my work history or income. I knew immediately that was not true all 3 bureaus have reported me as having 100 % on time payments having never been late or missing any payments for the duration of having credit. The bureaus also have my income and work history verified. In addition, they noted i had a lot of inquiries in last 12 months when in fact Ive only had one hard pull on my credit report in 12 months. They denied me the debt consolidation loan but was quick to approve me for an instant same day loan of {$1200.00}. 
They got all my bank information including password, username and acct # 's. They said they did not request it but did thru XXXX. I thought the purpose was to verify income and consistent direct deposits as proof. I reached out to all 3 bureaus, and they told me the information given for denial was incorrect and redirected me back Upstart. Upstart is redirecting me back to credit bureaus. This is so screwed up im not sure who is telling the truth. i consistently check my reports i know my credit usage is high this was the purpose of the loan to pay off the cards.
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 FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in removing the erroneous information which is being posted to my report. 

Here is the list of accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

A few months ago, I reviewed my credit report and found discrepancies related to the account : CAPITAL ONE ( XXXX ). This situation is infringing upon my rights. I have disputed these inaccuracies with all three credit bureaus and the creditor, but I only received generic replies. Consequently, I am filing this complaint based on my findings. The company is violating sections of 15 USC.

15 USC 1681 section 604 ( a ) section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of information.

15 USC 1681i ( 5 ) : Failure to investigate and correct inaccurate information.

15 USC 1681s ( 602 ) ( a ) : Failure to provide clear and accurate information to consumer reporting agencies.

15 USC 1681s ( 604 ) ( a ) : Failure to permit access to all information about the consumer 's credit file. Reform Act related to accuracy and fairness in credit reporting. 

Despite having disputed these issues with the credit bureaus and the same creditors, they have not provided a satisfactory response. Therefore, I suspect an inability to validate the information, as they have not provided the documentation I requested, which by law should be given to me.
Product: Credit card or prepaid card

CITIBANK VIOLATED " FCRA, FDCPA AND FCBA '', TRUTH IN LENDING ACT, BREACH OF CONTRACT, UNFAIR CREDIT REVIEW PRACTICES..COMPANY CLOSED " SEARS '' MASTERCARD ACCOUNT THAT I USED TO SUPPLEMENT DAILY/ MONTHLY LIVING EXPENSE DURING WAITING ON MONTHLY XXXX SSI CHECK TO COVER BILLS, MEDICAL, LIFE INSURANCE AND CHILD EXPENSES ( IM A SINGLE PARENT FATHER OF XXXX OLD DAUGHTER ) ..CLOSURE OF ACCOUNT HAS CAUSED SEVERE FINANCIAL HARDSHIP AND SIGNIFICANTLY DROP MY CREDIT SCORE ... I HAVE BEEN A LOYAL CUSTOMER FOR OVER 10YRS NEVER LATE ON ANY PAYMENTS ... SINCE THIS UNEXPECTED OCCURRENCES I CAN NOT AFFORD TO PAY SEARS ACCOUNT, PERSONAL BILLS AND OTHER OUT OF POCKET EXPENSES ... IM XXXX VET ON FIX SSI INCOME ... NOTE : I WERE THE VICTIM OF FRAUD ON ABOUT XX/XX/2018 AND FRAUD ACCOUNT IN QUESTION WITH OTHER CREDITOR ( XXXX XXXX XXXX XXXX ) ACCOUNT CURRENTLY IN DISPUTE ... .SEARS HAS NOTHING TO DO WITH OTHER CREDITORS ... NOTE : DOCUMENT PROOF AVAILABLE UPON REQUEST.. '' CITY OF XXXX POLICE REPORT, FTC AFFIDAVIT AND COURT AFFIDAVIT FILED VIA MY ATTORNEY
Product: Checking or savings account

PNC Bank has been illegally holding my money for 3 weeks. My Check Deposit Hold Was Lifted After 16 Days and then placed back on hold when I stepped in the branch and tried to withdraw my money after PNC fraud department have confirmed that the check is legitimate. I spoke with someone named XXXX at the Pnc branch located XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX was very rude, she also lied to me saying XXXX XXXX XXXX informed her that my check was fake. I instantly called XXXX XXXX XXXX  to ask about this nonsense and they told me they never gave anyone this false info & that they are not allowed to verify checks over the phone unless its through the automated system!! This bank has been illegally holding my money and suspecting me of doing fraud because I am a young XXXX man with long hair. I will take legal action if my money is not released within a timely manner.
Product: Credit card or prepaid card

I applied for a secured Discover Credit card and was approved. On XX/XX/20, {$300.00} was taken out of my credit union as a security deposit for this new card. Before I received the card, Discover canceled the card and kept my {$300.00}. I have written several times to Discover and have never received any response nor return of my {$300.00} security deposit.
Product: Debt collection

I went to an urgent care to get my back checked out. The place happily took my {$50.00} copay and saw me for 2 whole minutes. I was told there was nothing the doctor could do for me and sent me along my way. Then they repetitively called me telling me I owed money when they didn't provide a service to me as an urgent care.
Product: Checking or savings account

In XX/XX/XXXX, Wells Fargo requested XXXX XXXX, a non-resident XXXX account holder, to close his account. XXXX XXXX faced significant challenges when attempting to transfer his remaining balance electronically to another USD account, primarily due to restrictions on non-resident transactions. While Wells Fargo proposed sending a paper cheque, this solution proved impractical for his XXXX banking arrangements. Following multiple telephone consultations and written correspondence through the online banking platform, the account balance inexplicably zeroed out in XX/XX/XXXXXXXX XXXX without any formal notification from Wells Fargo. 
XXXX XXXXXXXX lodged a complaint with the Consumer Financial Protection Bureau ( CFPB ) in XX/XX/XXXX. The case progressed through several stages before receiving a formal response from Wells Fargo on XXXX XX/XX/XXXXXXXX 
Wells Fargo 's Position Regarding XXXX XXXXXXXX 's account # XXXX ( closed XXXX XX/XX/XXXXXXXX XXXX  ), Wells Fargo maintains : They issued prior notification about closure requirements for non-US residents on XXXX XX/XX/XXXX They can not substantiate XXXX XXXXXXXX 's reported communications from XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX A cashier 's cheque was dispatched to a Maryland address ( XXXX XXXX XXXX, XXXX ) The electronic transfer request was declined due to purported fee structures They are willing to reissue the cheque to an alternative address XXXX XXXXXXXX challenges Wells Fargo 's resolution approach by : Providing documentation confirming XXXX banks do not accept US cheques Disputing the bank 's claim about transfer fees, noting ACH charges are under {$1.00} Requesting immediate electronic transfer to a specified XXXX XXXX XXXXXXXX XXXX account Highlighting the impracticality of paper cheques for international customers Setting a XXXX deadline for resolution before escalating the CFPB complaint.
Product: Credit reporting or other personal consumer reports

On my Equifax XXXX Credit report there is an account for XXXX XXXX Bank. This account is being reported as a charge off with a XXXX balance and paid. I supplied Equifax a memo from XXXX XXXX stating that this account was Paid with a current balance of {$0.00}, there is no mention of a charge off. I requested multiple times from Equifax to supply the documents that was furnished to them with regards to a charge off and they have neglected to do so. As a result, this has had a negative impact on my credit report and per XXXX XXXX, Equifax is obligated to disclose the documents that are used to substantiate the information that is report on the XXXX Credit report.
Product: Credit reporting or other personal consumer reports

I sent a payment to XXXX  via the U.S.P.S I usually do not send my payments through the mail but I was going out of town and just dropped it in the mail. I was out of town for a while and when I returned home XXXX XXXX had damaged my home. So I had to stay with friends and relatives because I have XXXX and there was mold in my home. After we were able to move back home I looked through all of my mail that had accumulated during our absence and I found an envelope from the post office. The contents of the envelope contained a mutilated/water damaged check that I had mailed a few months ago. I really did not dawn on me that XXXX did not get the payment that I had previously mailed until I checked my credit score. I found out that I was late for two months. I called and explained what had transpired with the post office and offered to send them the letter from the post office showing that the payment was destroyed. They said there was no need for that and that things happen. On the last phone call the gentleman was going back and forth with the investigation team while I was on the phone that I spoke to said they will fix the lates. However, I received a phone call and was told that they were not going to fix the 2-thirty day lates. I then asked the representative to listen to the call since it was stated that the lates would be removed she said the calls are not always available and she has no access to listen. I asked why do they record calls if you ( the customer and the employee ) have no way to hear them? She told me they are not always available to listen to.
Product: Credit card or prepaid card

I made a {$1000.00} USD online purchase via PayPal with my XXXX  XXXX XXXX credit card. The entire transaction from the vendor website to the checkout screen and confirmation screen by PayPal and the vendor appeared to me as US Dollars. XXXX XXXXXXXX XXXX then charged me a {$32.00} foreign transaction fee. There are two companies at fault : 1 ) PayPal for failing to be transparent in showing that this is not a USD Charge 2 ) XXXX XXXXXXXX XXXX for charging me a foreign transaction fee when I am paying PayPal in US Dollars.
Product: Debt collection

I am writing to dispute the information that this agency has reported. This agency has failed to provide documentation proving that I am responsible for this debt. I am requesting to have this item removed from my credit report.
Product: Debt collection

Place collections on my credit report. I have no knowledge of this debt nor have i sign any contract with debtors. I have filed a fraudulent account
Product: Credit reporting

I have tried to update a wrong credit report with cbna and was told they were unable to help me and correctly update an account debt that was sold to another creditor and since been finalized and then I tried to contact experian directly to help me and they do not have a way to speak to any one, only automation phone. Very frustrating.
Product: Credit reporting or other personal consumer reports

My credit report shows an account with amount past due more than 150 days. 
The account is of ComenityCB/XXXX. 

1 ) When connected with XXXX as well as XXXX, I was informed that I had used the card in XX/XX/XXXX- where as I left USA in XX/XX/XXXX and have returned back in USA on XXXX XX/XX/XXXX. I wasn't in the country when they are claiming that I had used the card. How can I use the card? 

2 ) when was the credit card applied and issued?

3 ) which documents were submitted for card application?

4 ) were the submitted documents / mobile number verified? nowadays due to digital anyone can create fake documents.

5 ) which products were purchased and how? ( instore OR online ) 6 ) was it delivered? if yes, then where - share the address and proof of delivery ( XXXX or USPS or XXXX or etc... )? 

Please share photocopy of all the above documents. 

Since XX/XX/XXXX, I connected multiple times with XXXX as well as XXXX XXXX cards, and also gave them all of my details including SSN number, Name, all previous addresses, phone numbers, etc as they werent able to pull up my account with only SSN number. still, no positive update. 

In my life I have never unpaid anyone for which I am liable ; also, I do NOT wish to pay anyone for which I am NOT liable. 

This is a pure case of charges imposing on wrong person - whatsoever the reason may be. 

I request you to please look into this seriously. People like me trust the CFPB authorities to get the honest solution. 

due to this my credit score has been impacted badly and my insurance cost and all others have increased drastically. Even my bank is not willing to give me credit card. I am okay to continue without credit card but looking for serious justice and compensation for this harrassment. 

According to me I dont have any relation/ transactions with XXXX XXXX XXXX / XXXX and hence there is nothing that i can upload. also, hence the claimed charges are null and void.
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : CAINE WEINER COMPANY INC Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report reflects a balance of XXXX owed to credit management cntrl. This balance is from a company called XXXX XXXX which I previously rented from. I attempted to dispute this with XXXX XXXX and they would not return my call. It then went to collections. I spoke with XXXX once in XXXX requesting an itemized list of what damages they were claiming. I never received said list and allowed it to go to court so I could dispute the charges there. The initial amount that went to court was in the XXXX dollar range. I apologize I don't have the exact amount in front of me, but even with the court costs it was under XXXX even with the court fees. I was able to get XXXX XXXX to correct the amount owed in court to what I actually owe which is XXXX ; we settled in court and set up a payment plan of XXXX per month beginning on XX/XX/XXXX. I contacted Credit Management Control today at XXXX and spoke with XXXX again. I requested she adjust my credit report to the correct amount. She is refusing to do this. She is intentially leaving the incorrect amount of XXXX on my credit report even though she has received the court documents showing the amount owned is XXXX. ( She read these documents to me over the phone, so she clearly has them. ) I requested to know who to file a complaint with and she initially stated she did not know just that they were governed by the federal government. I asked to speak with her supervisor and she stated her supervisor is the owner and refused to give any contact information for her supervisor. She stated she would give him a message. I asked if I would receive a call back and she stated she really did not know. I told her I would continue to call back daily until I spoke to a supervisor. She laughed and stated she didn't care how many times I called back, she would be certain I am always dealing with her. After continuing to argue with her she finally informed me I could try to file a complaint with CRPB. What are my rights as a consumer. I exercised my right to take this to court, was able to settle the debt for what should have been the initial amount in the beginning, but the credit reporting agency is refusing to correct my account. I am fine if they want to leave the balance on my credit until the debt is paid, but is should most certainly be the correct balance which this XXXX clearly has in front of her. Please advise what I can do to get my credit report corrected.