23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XX/XX/year>, My girlfriend asked me to send the mail to her in Georgia since she was expecting a check in the mail. I sent it to her. She said I had a credit card application and asked if I applied. I said, No. She said it looked like a fake so I said don't use it. She went to the store with her sister and thought she would see if the Discover credit card was real. It was rejected. She asked me to call Discover and I did. I said to activate it to see if it was real. The clerk asked to see the card and said she couldn't use it since it was not in her name and refused to allow the purchase. My girlfriend then put it in her phone jacket along with her driver 's license. They both left the store but she realized she left her phone on the counter and hurried to get back to get it. The phone was gone. She asked the clerk if she saw it, the clerk said No. She looked all over but couldn't find it. It had her bank card, driver 's license, the credit card along with some cash. 

I didn't even know about any credit card bill until I got a bill from Discover in XXXX last year of over XXXX dollars. All the charges were in Georgia and XXXX in my city of XXXX Ohio. I called Discover and made repeated calls to tell them she nor I ever used it. Discover said since I authorized her to use it, I'm responsible. I told them she never made any purchases and the card and contents were stolen. In fact, I never even had the card! None of the stores on the bill such as XXXX XXXX did she visit. In fact, she paid cash for her purchase.
Product: Credit card

I was a victim of identity theft in XXXX of this year.I placed a security freeze on my credit report as a result. there was a fraudalent purchase made on my credit card on XX/XX/XXXX at XXXX. the purchase was made at the same time on XX/XX/XXXX I was present at work at that actual time.I called the credit card company and disputed the charges. the credit card company contacted me on XX/XX/XXXX to inform me that their investigation for the disputed charges was not in my favor and i will be rebilled for the charges on my credit card account.the credit card company did not ask for documents during their investigation until after XX/XX/XXXX when they denied my disputed charges. i provided documents to the credit card company and waiting to hear back regarding my documents.
Product: Checking or savings account

Online access to my funds has been restricted. Chase Bank is causing a hardship by restricting my livelihood and access to my funds for daily life. I live in XXXX so I can not go into a branch to clear this up which is the only option they have offered to me. On XX/XX/XXXX I used a bank product to send funds to my son in the US. The payment was canceled when he didn't respond in time and caused, it seems, my access to be restricted. Since then I have spent over 3 hours each call trying to get this cleared. On XX/XX/XXXX when I asked the operator for a moment to check on a date for an answer, she refused and said the only solution was to go into a branch. She also seems to have noted that I was not able to answer a number of questions correctly, which is not true. I know there are other ways to resolve this restriction on my account that don't require I go into a branch,, since something similar happened about a year ago and they took measures to clear my name without a visit to a branch. I need help to find a solution and get access to my account as soon as possible if I am to pay my bills.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT EVERYTHING HAS TO BE 100 % ACCURATE ON MY CREDIT REPORT AND UNDER 15USC 1681 E ( B ) AND 15 USC 1681i ( 5 ) THIS ACCOUNTS ARE IN VIOLATION OF NOT REPORTING 100 % ACCURATE. THE CREDIT REPORTING AGENCIES STATES THAT THESE ACCOUNTS WHERE PROPERLY INVESTIGATED AND CAME BACK AS VERIFIED. HOW EVER, HOW IS THIS TRUE WHEN THERE ARE SEVERAL INACCURACIES SHOWING ON MY REPORT? AS A CONSUMER I REQUEST TO KNOW ALL THESE STEPS YOUR AGENCY TOOK TO ENSURE THESE ITEMS ARE 100 % ACCURATE UNDER 15 USC 1681I ( 7 ) A METHOD OF VERIFICATION - DESCRIPTION OF REINVESTIGATION PROCEDURE. I AM A Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, consumers have the right to have information related to identity theft blocked from their credit reports. THE FOLLOWING ACCOUNTS ARE RELATED TO THAT IDENTITY THEFT. XXXX XXXX XXXX CAINE WEINER XXXX 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

On XX/XX/XXXX, I sent a letter to the United States Bankruptcy Court asking do they report bankruptcies to anyone. Therefore, how did the credit bureaus edify my bankruptcy as XXXX percent accurate if this is the case? They never conducted a fair investigation according to the United States Code 15 USC 1681.

Code Compliance 15 USC 1681, section ( 3 ) ( E ) states : The term " investigative consumer report '' means a consumer report or portion ; thereof : in which ; information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer.

- They violated my rights numerous times - The credit bureaus violated my given rights under 15 USC 1681 - According To 15 USC 1681 ( Section 602 A, states that I have the right to privacy ) - According To 15 USC 1681 ( Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

- According To : 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Southwest Credit Systems contacted my wife at her place of employment about a {$100.00} debt that was owed. I sent a written request to SWC on XX/XX/XXXX and asked that the debt be validated and as of today ( XX/XX/XXXX ) no response has been received from the company. On XX/XX/XXXX my wife received a phone massage from the secretary at her job with the phone number for SWC but the person left no contact name. The secretary said that they told her to have my wife contact them ASAP about an outstanding debt or they would sue. I never gave this company permission to contact my wife much less contact her at her place of employment. SWC violated my privacy and now my wife 's coworkers are aware of my personal business.
Product: Consumer Loan

My husband and I purchased furniture from XXXX XXXX. We applied for a 24 month interest free loan through XXXX XXXX that was being financed by 1st Heritage Credit ( First Heritage Credit XXXX XXXX XXXX XXXX, XXXX, XXXX, LA XXXX, Branch Manager XXXX XXXX ). The amount of the furniture purchase was {$2700.00}. We received correspondence from 1st Heritage stating our payment amount was {$100.00}. This means we would not pay off the purchase price within the 24 month interest free period if we paid their " payment amount. '' We then received a " 1st Heritage Payment Statement '' stating that our loan amount is {$3800.00}. 1st Heritage 's statements and correspondence have been very misleading. We did not agree to a loan amount of {$3800.00}. We also do not owe them {$3800.00}. We feel as though 1st Heritage is making these process misleading and trying to get us to pay an extra $ XXXX for the furniture that was financed. This process is so frustrating that will likely take money out of a saving account to pay off this loan as to not deal with a dishonest lender. It 's frustrating that this loan appears to be hard for the average consumer to manage and understand.
Product: Vehicle loan or lease

A car was financed, repossessed, multiple credit card lines, an XXXX loans that was unauthorized by me. I was not behind any of these activities. I was XXXX  for XXXX years, came home in XXXX.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed XXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

This company is currently showing 60 days late in XXXX XXXX, 30 days in XXXX, 30 days in XXXX and 30 days in XX/XX/2021. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 
See below account for proper implementation. 
CAPITAL ONE XXXX Balance : {$110.00}
Product: Credit card

sent letter on XX/XX/XXXX disputing amount of charge for XXXX car rental. I included a copy of my credit card bill, and copies of the confirmations from XXXX. 
When I arrived at the airport, XXXX refused to honor the amount of my reservation, and insisted on a much higher charge. I spent over an hour at the counter, showing them a copy of the confirmed amount. The kindly desk agent called multiple times to get authority, and after the third call, told me they were charging a lower amount because of the failure to honor the reservation and the delay. There was no one at the desk when I returned the car, and I never got an invoice. My XXXX bill reflected the amount demanded at the airport. 
I explained all this in my letter to Chase. I got a letter on XX/XX/XXXX, saying they would deny my claim unless I contacted them. I did so immediately. The person who answered the phone stated that their " mandate '' was they could take no action unless I provided them with an invoice from XXXX. 
I never received the invoice.
Product: Debt collection

This account was openedXXXX. The amount was XXXX with rmp lol. I have called and also disputed these actions. This was opened due to a car accident. I had insurance to cover me through try care and XXXX XXXX XXXX. They refuse to send the bill to the right entity 's and repeatedly told me that it's to late to do that. And that it's now my responsibility.
Product: Credit card or prepaid card

On XX/XX/2020, I purchased a XXXX XXXX XXXX from XXXX 's, Store # XXXX, XXXX XXXX XXXX, XXXX, AL XXXX. I paid {$58000.00} using my Chase Prime Visa credit card, for the oven and installation in my house. The installer ( an independent contractor ) was to deliver the oven to my home at the time he installed it. This was XXXX 's project XXXX. XXXX. 
Several weeks later, a woman named " XXXX '' called to tell me my oven had arrived at the store and I should get a call from an installer soon. 
I did not receive a call from an installer and the oven was never delivered. However, XXXX 's charged my credit card for {$540.00} on XX/XX/2020. 
The oven was never delivered to my house. XXXX can not possibly have proof of delivery because I never signed a delivery receipt. 
In late XXXX, I created a dispute with Chase Prime Visa credit  card and was given credit for amount of {$540.00}. 
Then on a posted date ( not the actual date ) Chase Prime REBILLED my account for {$540.00}. When I called Chase to discuss the situation, they REFUSED to discuss it with me.

IN SUMMARY, I have been forced to pay for an oven that was NEVER DELIVERED. 
XXXX 'S DOES NOT HAVE PROOF OF DELIVERY. 
CHASE PRIME REFUSES TO GIVE ME A REASON WHY I WAS REBILLED.

These actions may constitute Conspiracy to Commit Fraud. I will file a complaint with the Alabama Attorney General 's Office.
Product: Student loan

Good evening, My student loan was transferred to MOHELA some time ago. Their handling has been absolutely abysmal. I was supposed to get a deferment from XXXX XXXX XXXX, XXXX. I was, instead, billed each of those months. 

In addition, I applied to renew my XXXX XX/XX/XXXX. It was approved and assessed by the Department of Education, and sent to MOHELA ; on XX/XX/XXXX. My estimated payment was approximately {$650.00} per month. 

In early XXXX, MOHELA sent an email with my new estimated payment. They are asking {$5600.00} per month, almost my entire paycheck. I called for clarification and was on hold for XXXX hours. At that point, I was told they put me on the straight repayment plan and said they had many repayment options to include XXXX. When I explained that I applied for that in XXXX, the service agent did not know why it wasnt considered and sent me to a XXXX. I was on hold an additional XXXX hours. I was assured that it would be expedited and processed in XXXX days. 

A week later, I received a letter that my request was being delayed and I could expect an ANSWER in XXXX BUSINESS days. If approved, it will end up taking 7 months just to approve my IDR amount approved by the Department of Education within a week. 

In the meantime, I either have to pay my entire paycheck, leaving no money for my house payment, food, medicine and services for my daughter, and utilities ; go into default ; or hope to get a forbearance, which will increase my interest AND push back my eligibility for XXXX due to their incompetence. 

They should be held accountable and should be required to put us on PSLF counting forbearance, and all interest be waived, until they get their act together. 

Please assist.
Product: Debt collection

As a consumer, my rights have been violated as followed, This debt collector as defined in 15 US Code 1692a has 1. stated that I owe an alleged debt - 15 US Code 1692b ( 2 ) 2. contacted me about an alleged debt with out permission - 15 US Code 1692c ( a ) 3. stated that this is a communication to collect a debt - 15 US Code 1692b ( 5 ) 4. harassed me with letters claiming I owe this alleged debt ( profane language - 15 US Code 1692d ( 2 ) 5. threatened my reputation with this alleged debt - 15 US Code 1692d ( 1 )
Product: Credit card or prepaid card

I was offered XXXX bonus points but now I am told it is only XXXX bonus points. It is currently being offered XXXX bonus points and believe this is misleading. This is an unfair and deceptive business practice by the Barclays XXXX credit card. 

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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX XXXXXXXX XX/XX/year> : XXXXXXXX XXXX XXXX XXXXXX/XX/year> :
Product: Credit card

Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of the following : XXXX XXXX XXXX Account Account Number : XXXX Date Opened : XX/XX/XXXX Original Creditor XXXX XXXX  Balance : {$380.00} XXXX XXXX XXXX XXXX XXXX  Account Account Number : XXXX Date Opened : XX/XX/XXXX Original Creditor XXXX XXXX XXXX XXXX  Balance : {$520.00} XXXX Installment Sales Contract Account Number : XXXX Date Opened : XX/XX/XXXX Original Creditor : XXXX Balance : {$0.00} ( charged off ) XXXX XXXX XXXX Collection Account Account Number : XXXX Date Opened : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX Account Account Number : XXXX Date Opened : XX/XX/XXXX Original Creditor : XXXXXXXX XXXX XXXX Balance : {$130.00} These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported.

The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

I have attached a copy of the FTC Identity Theft Criminal Complaint case number ( # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Comenity will not process my payment I made day before due date and is assessing a late fee now. I called them on XX/XX/15 to use a different bank account to pay them from than the one I had been using for many months. It is XXXX XXXX XXXX XXXX  and I have used it this month to pay XXXX, XXXX XXXX, XXXX XXXX, and XXXX with no problem. It is a savings account and so was the previous account I used to pay Comenity, which was XXXX XXXX XXXX. I called Comenity this week to see why there was no ach from my XXXX account to them, why I was being charged a {$25.00} late fee, and got told that someone there had failed to get my XXXX XXXX  account number right ( I gave them 3 times ). So I gave it to them again yesterday and still nothing. All I have is a confirmation number, if that is pertinent here. This needs to be resolved without penalty to me, as I have done nothing wrong towards simply making my monthly Comenity credit card payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  ( Account # XXXX ), XXXX XXXX XXXX XXXX Account # XXXX ), XXXX XXXX XXXX  XXXX XXXX ) has violated my rights. 


15 U.S.C. 1601 section 604 A section 2 ; it also states B consumer agency can't furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Hi I recently was looking at my credit card. I applied for loaning me a couple accounts on there that were my score and I live in there were closed and other reasons why at the fair act and I need to eliminate Accounts thats all my report illegally According the fair act 15 U.S.C. 1681 - U.S. Code - Unannotated Title 15. Commerce and Trade 1681. Congressional findings and statement of purpose Current as of XX/XX/year> | Updated by FindLaw Staff ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

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

Equifax has failed to give me Verifiable proof of the accounts listed in their report.