23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am being charged for a XXXX XXXX vacuum cleaner worth {$1000.00}. I never received this merchandise it was supposed to arrive at my residence on Tuesday, XX/XX/XXXX, XXXX never signed for this merchandise or authorized its release by an courier. I reached out the merchant XXXX  on Saturday, XXXX XXXX after receiving a notification stating that the merchandise was delivered ; I told them that was not the correct shipment date and I did not receive any merchandise. XXXX directed me to reach out to my financial institution Goldman Sachs which I did immediately, I have been denied my claim each time after providing ample email correspondence and police documentation showing I never received this merchandise. I need assistance to resolve this matter.
Product: Checking or savings account

Capital One does not keep my banking information updated for the company  XXXX  and it is costing me money.  XXXX  is great! Capital  One 360 checking has so many more issues besides this one to the point that I do nt even know where to begin.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$850.00} XXXX XXXXXXXX Balance Owed : {$850.00} XXXX XXXX Balance Owed : {$850.00}
Product: Credit card or prepaid card

Purchased tickets to go on vacation with my family using my Sears credit card which costed a total of {$2400.00}, then my wife got sick and was exempt from travel until she gets better ( have doctor 's note for travel exemption ) so we contacted the airlines but was unable to get full refund due to medical reasons, then we reached out to the credit card company where we explained to them that we never received a service in exchange of the money paid but they denied our request for a full refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX regarding unauthorized inquiries and the misuse of my credit report. The incidents in question occurred between XX/XX/XXXX and XX/XX/2023. I believe that XXXX XXXX XXXX  has violated several provisions outlined in the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau 's ( CFPB ) regulations. 

I have provided a detailed account of the events below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XX/XX/2023, XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023, Unauthorized Inquiries : During the aforementioned dates, I visited XXXX XXXX XXXX to inquire about purchasing a vehicle. I specifically requested that my credit information should not be accessed without my explicit consent. However, despite my instructions, XXXX XXXX XXXX conducted multiple unauthorized inquiries on my credit report. I have evidence in the form of notifications from the credit reporting agencies indicating these inquiries. 

Misuse of Credit Report : Furthermore, I discovered that XXXX XXXX XXXX  misused my credit report by disclosing it to unauthorized parties without a valid permissible purpose. I obtained this information through subsequent credit monitoring services, which alerted me to unauthorized access and sharing of my credit information. This unauthorized sharing puts my personal and financial information at risk and violates the privacy protections provided by the FCRA.
Product: Credit reporting or other personal consumer reports

My information was given to a third party collection without my consent my rights as a federally protected consumer was violated because of this I tried to get in contact with the company as of XXXX I havent gotten Response yet.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Owed : {$1800.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$1400.00}
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been XXXX  days and you are in XXXX  of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in XXXX!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the Sumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN port anything on my consumer report which violates my rights as a federal prot umer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletions listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against XXXX regarding multiple inaccurate account and reports I have incurred. This issue aligns with the recent CFPB findings against XXXX for similar practices, where accounts would report but are not accurate or incorrectly having information on a credit report. I believe these practices are unfair and request an investigation into my account.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit reports and am writing to dispute the following fraudulent and illegal information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX {$530.00} Date Opened XXXX, XXXX, XXXX XXXX XXXX {$1000.00} Date Opened XX/XX/XXXX XXXX {$1100.00} Date Opened XXXX  XXXX, XXXX XXXX {$12000.00} Date Opened XX/XX/XXXX XXXX {$8900.00} Date Opened XX/XX/XXXX XXXX {$510.00} Date Opened XX/XX/XXXX XXXX {$0.00} Date Opened XX/XX/XXXX XXXX XXXX {$0.00} Date Opened XX/XX/XXXX 2017
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX XXXX XXXX account appears on my credit report. I have sent an FTC report to Experian to show proof that the account was opened due to myself being a victim of identity theft. Experian removed the account once they received my FTC report. Experian recently added the fraudulent account back to XXXX XXXX XXXX XXXX requesting the account be reinserted. The creditor never provided any supporting documentation to show proof this account belong to me also Experian never sent any notice in writing to provide reasoning for the reinsertion of this account.
Product: Debt collection

XXXX has had another debt collection company attempt to collect from an account that is not mine, and I am assuming is a result of identity theft. I have tried to get in touch with XXXX 's fraud division about the fraud email packet I sent, to get them to fix this consistent error, and I have been rudely reject directly from the company several times by phone ( kind of as if that department doesn't exist ). 

This has been an issue since the earlier half of 2022 ( XXXX ). The first collection company I had to dispute was XXXX XXXX. This time it's Enhanced Recovery Co for the same amount, but I do not know the finer details such as the full account number in question. I have never heard of this company before my credit report being flagged for collections as of XX/XX/2022.
Product: Debt collection

Portfolio Recovery has false and innacurate information reported to XXXX, XXXX and XXXX account active date ( XX/XX/year> ) does not match with reported payment chart starting on XX/XX/year> XXXX
Product: Credit card or prepaid card

Credit card company Goldman Sachs Banks USA has disputed to issue refund after the merchant XXXX issued refund of {$1200.00} on XX/XX/23 to my Goldman Sachs credit card. I have provided all the evidence from XXXX of proof of payment and Goldman Sachs is refusing to issue my refund to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to gold acceptance XXXX  multiple times XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX... They have not responded to my letters. They expressed to me that the company " gold acceptance XXXX  '' no longer holding the contract but still reporting it on my consumers report with the wrong contact Information. They have sold the account to a collection agency sold the car at the auction. They did not disclose this Information to me. 15 U.S code 1681b They do not have my hand written signature giving permissible purpose.
Product: Credit reporting or other personal consumer reports

Ive recently got a copy of my credit report and noticed that there are two different companies that are reporting a balance for the same debt one the original creditor and a collection agency from my knowledge. This is called double Jeopardy and is illegal. Ive contacted both companies and still have not heard anything from either and its been over 30 day Period. With both of these accounts reporting claiming to be the original owner of the same debt is severely hurting my credit and could be possibly stopping me from getting credit offers in the future
Product: Credit reporting, credit repair services, or other personal consumer reports

The Consumer Reporting Agency Experian is who I am accusing of fraud. Experian is in violation of 15 USC 1681b. ( 2 ) which states that I, XXXX XXXX, a federally protected consumer, did not give or have ever gave Experian written permission tp furnish anything on my consumer report.
Product: Credit reporting or other personal consumer reports

My credit score keep decreasing even though I have paid more than {$10000.00} in last six months. They are forcing me to take loans from them and promising that my credit score will increase. 

There will be an inquiry and more credit utilization but they still promising my score will increase. 

It is a racket that is forcing me to take their loans or else they will continue to decrease my credit score. 

Even if I use {$200.00} from credit card- they will dip at least XXXX points. 

Since XXXX has taken over Credit Karma- these coercive practices have increased drastically. XXXX is deploying the same practices that it has done with XXXX XXXX in the past. 

Many a times- they offer me a card with guarantee approval and say they will pay me an amount if it is rejected and the credit card company says it will get back- and it never does- while I never get the amount while my score decreases due to inquiry. 

They add up XXXX to my credit utilization as taken but not when it decreases the other card. 

There is not a single missed payment, not a single derogatory remark, and only 22 % utilization. 

The post a single transaction I make immediately, however it takes forever for them to post my payments and after three months- they omit to even account it towards my credit score. As it goes in the backlog and they add up the new payments. 

I think it has also to do with my race, ethnicity, last name. 

I have always been impeccable with my monetary responsibilities and credit history and they are using this tactic to make me buy their products.
Product: Credit reporting or other personal consumer reports

I am very concerned about the lack of responsibility in addressing the inaccuracies on my account. When will XXXX correct the incorrect information on these accounts that are appearing on my personal credit file? Despite my repeated requests over the past months, no action has been taken. Please stop delaying and correct the accounts immediately : XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$4100.00} & XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$6.00}. As stated previously, under the Fair Credit Reporting Act, 15 U.S.C. Section 1681i, you are required to reinvestigate and update these disputed accounts. Provide me with the names and addresses of the individuals contacted. According to 15 U.S.C. Section 1681i ( 5 ) ( A ), you have fifteen ( 15 ) days from receiving this letter to complete these actions unless you notify me otherwise. Failure to verify within this timeframe will be considered non-verification, and the accounts must be promptly updated in accordance with Section 1681i ( a ).
Product: Debt collection

They have been contacting my friend who has absolutely nothing to do with my loan, the same collector is threatening to come to my address
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this to try to get it corrected and nothing was ever done. There is an account Flagship Credit Accept showing I owe a balance of XXXX which is not right. Insurance paid off this loan. Please help assist me to get this removed as it is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing the complaint against Equifax, XXXX, XXXX because they have ignored my request for a reinvestigation since XX/XX/2021. YES! I have been sending dispute letters for the accounts items listed on this complaint for AN ENTIRE YEAR! I have not had one response from this credit bureau! Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete all information which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! Your assistance in resolving this concern as soon as possible is appreciated. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit repair company helping my husband and I repair our credit. They have sent disputes to all 3 credit Bureaus, XXXX  and XXXX  have updated our credit report accounts however Equifax has not. When I have called Equifax they said they never received anything from the company. When I have asked why they haven't updated our credit reports with updated information about our creditors accounts ( because last month we have paid down a lot of our dept. They told me that whenever they get the updated information from our creditors they will. When I told Equifax that I knew that they have the updated information because XXXX and XXXX  have updated their information. I got that I have to file a dispute. So I did. But I feel Equifax is not doing their job correctly. Something needs to be done. 
Thank you XXXX
Product: Credit reporting or other personal consumer reports

I have reached out to XXXX, TransUnion, XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XX/XX/2023, about the spelling of my name. My name is XXXX XXXX XXXX. I told them to delete any other name that is not mines and they have not. Also address XXXX XXXX XXXX XXXX XXXX Tx XXXX is a non-mailable address and should be removed from all of the credit reporting agencies.
Product: Credit card or prepaid card

Please compel AMERICAN EXPRESS / BLUEBIRD to provide me full account history and balance. 

I request FULL TRANSACTION HISTORY specifying : 1 ) date, 2 ) dollar amount and 3 ) merchant BLUE BIRD / AMERICAN EXPRESS keep telling me I must setup an online account. I already setup an account and can not access balance or transaction history for this card. 

I believe I should have funds on this card - and can not access full transaction history online or via phone. I have tried for several months now to gain access to my account history - to no avail!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX RI XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, RI XXXX XX/XX/XXXX, XXXX XXXXXXXX Balance : {$1500.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$26000.00}, XXXX XXXX XXXX Balance : {$4500.00}, XXXX XXXX Balance : {$1800.00}
Product: Credit card or prepaid card

I orders a new card with American Express and I verified that I would be given a new card number right away. Due to this I canceled my other XXXX. Then I tried to get my card number and they said unfortunately we can not help your card number and instead I must wait for it in the mail. Now I cant get groceries. They lied to me on a recorded call and it cause many issues.
Product: Checking or savings account

XXXX around XXXXXXXX XXXX I went to the Chase bank XXXX XXXX XXXX XXXX XXXX city location to withdraw {$3500.00} from my chase saving account. I provided the teller with my Us passport I was told I needed a second form of ID due to the amount either a bank card from any other financial institution or a work ID badge. I left the branch went home retrieved my XXXX XXXX government CAD card which is my work ID and my XXXXXXXX XXXX debt card I went back to the bank gave the teller the two additional forms of ID she requested she then asked did I have my chase debt card I told her no I misplaced the debt card weeks ago she called her branch manager over he asked did I have my cell phone on me I told him no he said its nothing he could do to help me without my cell phone or debt card so I left the branch went back home and retrieved my cell phone. I went back into the branch with cell phone in hand provided my the branch manager XXXX XXXX XXXX with my passport, work id and XXXX XXXX debt card then asked to close out my account. I requested a check for the remaining balance in my account after the {$3500.00} cash was withdrawn. The branch manager took my documents began processing my transactions then told me the system wouldnt allow me to take any money out it was locked he never asked me to retrieve any information from my cell phone he told me he was going to give me back my documents and let me out the bank. I told him this didnt make sense I provided him all of the required requested information. I he said I could only get {$3000.00} from the atm but I needed {$3500.00} and the remaining balance in my account withdrawn in a check. I pulled out my phone to begin recording what was going on because I knew it wasnt right he then said he wouldnt be able to help me since I was recording even though the bank had cameras recording me at that very moment. He then called the police the officer arrived and told me he would arrest me for trespassing if I didnt leave I was crying and very frustrated confused and in disbelief I was being treated this way when I did everything required of me and I was never told the documentation I provided to prove my identity wasnt sufficient. The officer told me the bank no longer wanted to do business with me and they could refuse service for no reason and not provide me with any of my money which I know is untrue. I filed a complaint on the responding officer and called chase customer service line I was told no one is required to reach out to me regarding this matter.
Product: Prepaid card

Sometime in XXXX I filed dispute claims with Bank Of America regarding fraudulent transactions made to my Bank Of America EDD benefits card XXXX claim was for the amount of about XXXX and another claim for the amount of about XXXX. As you can see the claim for the amount of about XXXX was awarded in my favor apparently the the other claim for the amount of about XXXX was never received. Upon discovering the other claim never have been processed I resubmitted the claim with Bank Of America sometime on or about XXXX of XXXX. The resubmitted claim was for the amount of or about XXXX the claim was denied by there fraud department.Moving along the basis of this complaint is considering the fact that my previous dispute in the amount of a out XXXX was awarded in my favor then how is it possible for the the conjoined claim in the amount of about XXXX to be denied when both claims are based on the exact same time frame if you look closely at the account you'll see that the claim awarded in my favor in the amount of about XXXX are all fraudulent XXXX XXXX transactions now in-between those transactions dates and also on the exact same date of those transactions are other purchases that are also fraudulent and unauthorized. On XX/XX/XXXX a fraudulent XXXX XXXX transaction was made because it wasn't authorized by myself on the same day a XXXX  XXXX transactions was posted to the account now the XXXX XXXX transaction would be attributed to the claim in the amount of about XXXX for some reason Bank Of America is denying XXXX claim and awarding XXXX claim for transactions that were made on the same day. Imagine it being possible for a person have authorized and unauthorized transactions on the same day, doesn't sound very likey or believable.
Product: Mortgage

My mortgage payments with Selene Finance increased from $ XXXX to $ XXXX after the XXXX Escrow analysis. I requested Selene Finance to detail the Escrow analysis and explain where all my payments went during XXXX. They never answered, so I reached out to CFPB to hold Selene Finance accountable. Selene Finance have since reduced my payment to {$1800.00} ( with no explanation ). I also I requested in writing from Selene Finance REMOVAL of my Escrow account to prevent this in the future. I also spoke with Selene over the phone and they said the escrow would be removed in XXXX hours and to call back to make payment of Principal and Interest ( P & I ) only. When I called back they talked in circles. So this is a Follow up to be sure Selene Finance understand I want the Escrow Removed from my account AND a refund for the money paid into Escrow to date in XXXX.
Product: Debt collection

The response back from creditor was not true I have proof that I sent letters to creditor several times certified mail they got it and that's a violation of law due to the fair credit act and also they need show me a contract with my signature on it to prove the debt they keep sending letters without the contract and signature that's not real proof they need to deleted accounts for violation of law and reporting illegal information are I will sue in court.