23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX, I purchased bathroom tile from a company online. The tile was purchased through XXXX invoice. The tile we received was defective. I contacted the company to resolve it, but they were unwilling to resolve. I opened a claim with XXXX ; however, XXXX said they are not able to investigate and I need to file a chargeback with the credit card. On XX/XX/XXXX, I filed the chargeback with Citi, as this is the credit card used to pay the XXXX invoice. On XX/XX/XXXX, Citi informed me that they will close the case in the vendor 's favor, citing " With the information we had, it wasn't enough to support your claim and resolve the dispute in your favor ''. I had provided ample proof of the defective tile, as well as a direct communication with XXXX ( the merchant charging my card ) saying to file the chargeback. I believe Citi did not due any due diligence or investigation and closed the case. This is against their terms and conditions that protect consumers when using their credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor 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 records 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 alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To whom it may concern, I am writing to address the ongoing inaccuracies on my credit report, which I believe are not the result of oversight but intentional misreporting by XXXX, TransUnion, and XXXX. These errors violate my rights as a consumer and are causing significant harm to my financial standing. 

Under the **Fair Credit Reporting Act ( FCRA ) **, 15 U.S.C. 1681 et seq., credit reporting agencies are required to maintain accurate information and investigate disputes within a reasonable timeframe. Specifically, **Section 1681i ( a ) ( 3 ) ** mandates that, during the investigation of a dispute, the disputed information must be " blocked '' or " removed '' if it is found to be inaccurate or unverifiable. However, despite my efforts to resolve these issues, inaccurate information continues to appear on my report, indicating a violation of my rights.

Furthermore, the **Fair Debt Collection Practices Act ( FDCPA ) **, 15 U.S.C. 1692 et seq., protects me from misleading representations about my creditworthiness. The reporting of false or inaccurate information by credit bureaus violates this law, as it misleads potential creditors and impacts my ability to secure fair credit terms. 

The **Uniform Commercial Code ( UCC ) **, particularly **UCC 9-310**, requires that any information about consumer debts be accurate and truthful. The deliberate reporting of incorrect data not only violates the FCRA and FDCPA but also undermines the integrity of financial transactions. 

The **Consumer Financial Protection Bureau ( CFPB ) ** has repeatedly taken action against these agencies for mishandling consumer information. Notably : - **XXXX** was sued in XX/XX/XXXX for conducting " sham investigations '' and allowing inaccurate information to be reinserted into credit files. ( [ XXXX ] ( XXXX XXXX XXXX ) ) - **XXXX** was fined {$15.00} XXXX by the CFPB in XX/XX/XXXX for mishandling dispute investigations, ignoring consumer-provided evidence, and allowing inaccuracies to persist on credit reports. ( [ XXXX ] ( XXXX XXXX XXXX  ) ) Additionally, **XXXX** was responsible for XXXX XXXX data breach affecting XXXX XXXX consumers. The subsequent settlement included a {$100.00} XXXX fine to the CFPB and {$300.00} XXXX for consumer compensation. ( [ XXXX ] ( XXXX XXXX XXXXXXXX ) ) These repeated violations demonstrate systemic issues within the credit reporting agencies, which I believe are willfully and intentionally misreporting information on my credit report. 

I demand that XXXX, TransUnion, and XXXX immediately correct the inaccuracies on my credit report. If not addressed promptly, I will file complaints with the CFPB and explore legal action for the harm caused by these violations. 

Thank you for your attention to this matter. I look forward to a swift resolution.
Product: Credit reporting or other personal consumer reports

I am writing to report unauthorized inquiries that have appeared on my credit report. After reviewing my credit report, I noticed from companies with which I have no services. I believe that these inquiries may have resulted in identity theft or unauthorized access to my personal information. 
Please remove these inquiries from my credit report to ensure my credit remains accurate and secure. I've listed the inquiries below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Capital One blocks third parties from accessing my accounts even with my permission. Capital One would not help me with this issue
Product: Credit reporting

On my credit reports it is showing XXXX different company names XXXX and on the other XXXX. Which is it??? It 's also showing XXXX different open and close dates. One credit report is showing XX/XX/2012 and the other is showing XX/XX/2012 as an open date for example. That would mean that I have XXXX different accounts, which I do n't have. XXXX different inaccurate information. The balances are showing {$0.00} and the account is showing closed on all XXXX credit companies, TRANS UNION, XXXX, AND XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting for XXXX to remove and permanently delete the following fraudulent accounts immediately because someone used my personal information to obtain these credit cards in my name without my consent : 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. Discover Bank 6. XXXX 7. XXXX  XXXX XXXX I have attached a copy of FTC Report as well as Police Report to this correspondence and under FCRA, XXXX is required by law to block and remove these fraudulent accounts immediately. If not, legal actions will be taken against XXXX.
Product: Mortgage

On XX/XX/2020 I authorized Chase Bank to run a one time credit report for a mortgage loan. XXXX XXXX XXXX is the Home Loan Advisor for Chase Bank and who assisted me with my application. 

On XXXX XXXX XXXX XXXX XXXX ran my credit report without my consent or knowledge of a pull. I wasnt notified or advised of an attempt to run a credit report. 

On XXXX XXXX My credit report on XXXX XXXX notified me that I had another hard inquiry on my Report from XXXX XXXX/JPMCB XXXX  XXXX. This was the same company who pulled my initial report on XX/XX/XXXX. 

In the first week of XX/XX/XXXX XXXX, XXXX I contacted XXXX XXXX XXXX via-email and by phone about a credit report that was run from Chase Bank twice. XXXX XXXX XXXX notified me that he initially ran the report again because a neglect error on his end. 

In XX/XX/2020 I contacted Chase Bank to file a compliant against the advisor for lack of professionalism and requested for a different advisor. In addition, a compliant to file the second hard pull of a report that was ran without my consent on XXXX XXXX. 

In XXXX XXXX, I have been In contact with Chase Bank to dispute my credit reports
Product: Credit reporting or other personal consumer reports

I am writing this request that I have been a victim of XXXX XXXX and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 
The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. 
I'd appreciate it if you could update this reporting account as soon as feasible. 
The account should be rectified as soon as possible if you do not comply with the instructions. 
Please UPDATE the following accounts AND REMOVE THE INACCURATE ADDRESSES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance : XXXX
Product: Credit reporting or other personal consumer reports

Credit Management LP has wrongfully report on my Credit Report collecting a debt that Ive never had any contract with them! I just all of sudden see a collections on my report! I dont owe them, I dont know them, Ive never get contacted by them 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 My right has been violated by Credit management LP
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXXXXXX 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 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 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 reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX : I purchased a XXXX XXXX XXXX at XXXX XXXX XXXX with the additional gap warranty coverages XX/XX/XXXX : XXXX XXXX XXXX refused to fix the XXXX connect panel burnt wires and/or swap out the vehicle XX/XX/XXXX : The vehicle was sold by the financer Ally Bank and a balance of {$12000.00} remains on my credit as a write-off and should be or needs to be paid by the security plus gap coverage insurance purchased XX/XX/XXXX ; the remaining balance should not be on my credit.
Product: Checking or savings account

I ordered a dress using my TD Bank Debit Card from company online company @ XXXX from their website XXXX on XX/XX/XXXX and paid XXXX. Throughout the course of the next 3 months the company gave numerous excuses via email as to why delivery of my dress was delayed ( I have all emails printed ). 

Finally I asked to cancel my order and for the money to be refunded to the card I used when the order was placed. I never received a refund. When I emailed the company again to ask about my refund I had been blocked. 

On XX/XX/XXXX after being unable to email the company I filed a dispute with through TD Bank. 

On XX/XX/XXXX I sent all necessary information including the emails where the merchant acknowledges they never sent my dress and promised me a refund for my unfulfilled order. I was given a provisional credit and told a thorough investigation would ensue. 

Three months later on XX/XX/XXXX TD Bank denied my dispute and reversed the provisional credit causing overdraft fees. I called that weekend as was told a new claim for the same dispute would be opened and to to call back on Monday to find out why initial claim was closed. I resent supporting documents on this day. 

On XX/XX/XXXX, at approximately XXXX XXXX I called TD Bank to ask why my dispute was closed. I was transferred to a supervisor named " XXXX '' who first told me my dispute was closed due to not receiving supporting documents. Supervisor XXXX later changed the reason the dispute was closed to because the original transaction date of the charge took place more than 60 days ago. Supervisor  XXXX was curt and short with inconsistent explanations. Supervisor XXXX stated she can not reverse the provisional credit and refused to waive the overdraft fees caused as a result. I told supervisor XXXX I felt this was unfair and that TD Bank is being negligent by refusing to investigate this matter and adding further hardships by charging me fees. 

On XX/XX/XXXX, I entered a TD Bank branch location XXXX XXXX XXXX XXXX, XXXX, FL XXXX and spoke with a branch manager who agreed to waive the over draft fees. The branch manger was unable to provide a provisional credit or provide any insight on the ongoing dispute.
Product: Debt collection

I received a call at XXXX from Navient . I had just fallen asleep from working XXXX once the operator on the phone stated they were from Navient and this call will be recorded I hung up b/c of the time and knowing they are not even supposed to call this early.
Product: Debt collection

CAINE AND WEINER IS A COLLECTOR FOR AN INSURANCE DEBT I HAD WITH XXXX. I DID NOT RECEIVE WRITTEN CORRESPONDENCE FROM BOTH XXXX OR CAINE AND WEINER COMPANY ABOUT HAVING AN OUTSTANDING BALANCE. NOW EVERY ATTEMPT TO PAY THE COLLECTION HAS BEEN IMPOSSIBLE TO PAY IF THEY CAN'T GIVE ME THE ACCOUNT NUMBER. MY CREDIT REPORT HAS BEEN AFFECTED WITHOUT ME SEEING THIS COMING AT ALL
Product: Credit reporting, credit repair services, or other personal consumer reports

Date XX/XX/2022 EQUIFAX has committed Fraud Pursuant 15 USC 1681B, I never gave Equifax permissible purpose or any written letters or instructions to report any information on my Consumer Report..
Product: Debt collection

The company, Credence Resouce Management, is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and alos other documents so I may review to see if this is actually an account that belongs to me.
Product: Debt collection

I have spoken to Portfolio Recovery Associates repeatedly about my financial situation and inability to pay off this debt. They have sent me a hardship form only after many, many requests and now they repeatedly act as if they never received the forms I returned using their envelopes and the correct address. They refuse to provide a fax number for the form and they also refuse to acknowledge being able to email the form to them. I want the phone calls to cease and I want them to accept this hardship form through email.
Product: Student loan

Because I am a public school teacher, I have tried to have my loans forgiven. I have requested that my Navient loans be serviced by XXXX. Navient continues to service my loan and continues to call my relatives and harass them. They are calling and harassing my parents, children, siblings, ex husband, and my XXXX XXXX XXXX niece.
Product: Money transfer, virtual currency, or money service

Paypal has limited my account based on activity that they claim is " inconsistent with their user agreement ''. In doing so, they removed a total of {$37000.00} and are holding it for 180 days. Below is a timeline : XX/XX/XXXX - Paypal sends an email notifying me that I can not use Paypal anymore. I am not given the option to appeal or provide further information to dispute my case. 

XX/XX/XXXX - Paypal removes {$9000.00} from my XXXX  XXXX XXXX account without my approval, cause me to momentarily overdraft XX/XX/XXXX - Paypal removes {$27000.00} from my XXXX XXXX XXXX account without my approval XX/XX/XXXX - I call Paypal customer service to resolve the issue, am transerred to XXXX, employee ID # XXXX and am told that there is nothing I can do to appeal and that there is no way to escalate my case beyond sending a letter to the legal department. Also told there will be no reasoning provided and no evidence supporting the supposed unauthorized use of my account. Told that Paypal is allowed to " hold any amount of money for the " amount of time that Paypal deems necessary '', which in this case is 180 days. 

I feel that Paypal has helped themselved to a free 6-month loan. My business plans are completely ruined thanks to Paypal and I'm now responsible for any interest on those funds over the six month time period. 

My account with Paypal is under my email address XXXX.
Product: Debt collection

Joined " XXXX  XXXX '' online in late XX/XX/XXXX. I was never give a written copy of my alleged contract. The management kept saying I could see it on " The App ''. 

I cancelled the membership in writing ( mailed to : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ) on XX/XX/XXXX. They ignored the request. 

Then I sent the same letter to the corp. HQ office at XXXX XXXX XXXX XXXX XXXX , NH XXXX and via fax. 

The cancellation letters were sent via USPS on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Additionally, I called the customer service number and was unable to reach an actual human to talk to. They have a system that transfers you to a new recording. You can not speak to a human. 

I believe each letter was intentionally discarded or ignored so as to continue to bill me. Thankfully, XXXX XXXX was kind enough to " Block '' future charges. They claim hat I owe {$93.00} for a place I've never stepped foot in. 

XX/XX/XXXX I finally spoke to ABC Fitness Solutions ( 3rd party collections company ) who stated that only the local gym could cancel my membership. 

I then call the local gym again ( 3rd time ) and " XXXX '' was immediately defensive and extremely evasive in her actions and answers when I asked why my membership was still active nearly 90 days after being cancelled. She stated that they never received the first 2 letters. When I pressed her, she then stated " Oh yeah ... we just got it today ''. So she claims that it took 3 letters mailed and 60 to 85 days for her to know my wishes? 

Within minutes of the above phone call I received the attached cancelation form. It is fraught with errors and misinformation. I canceled the membership on XX/XX/XXXX. Not XX/XX/XXXX. I'm not " unhappy about billing ''. I unhappy about the obvious fraud and deception. It indicates that I " Checked In '' at the club on XX/XX/XXXX. This is false. I've never been there even to work out. 

I believe ABC Fitness Solutions has violated fair debt collections practices. They have zero disclosures in the communications. They are acting as a third party collection agency. 

This entire process smells of fraud and deception.
Product: Debt collection

I paid this medical account in full with the original creditor ( XXXX XXXX University XXXX XXXX XXXX ) and I was assured that the collections entry were going to be removed completely from all credit bureaus. The collection agency is refusing to remove the entry after a full payment was made to the original creditor and the collection agency is reporting the account as a paid collection instead of removing the account as I was told and agreed to. The main purpose to remove the account from my credit report is to lessen the impact on my credit score and be clear of any collections. I was assured that after making a " full payment '' the account was going to be completely removed and now that they received my money are refusing to remove the account from my credit report and instead just updated the account to reflect as a paid collection, this is a violation of our agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Bank of America after seeing on my XXXX report that there was a closed account with a balance reporting. I did not open this. I sent them a police report and theft affidavit 30 days ago and they havent responded nor have they removed the information from my XXXX. 
The address associated with the account isn't mine. 

My dl is attache with my correct address.
Product: Checking or savings account

Wells Fargo partners with XXXX which Ive place a deposit in the amount of {$500.00} before I picked up, through them for a puppy i was planned to purchase. I discovered within less than 8 hours it was fraudulent and a scam. Called the bank immediately, they refused to reverse the payment/deposit I had made. Ive already contacted my local PD and FBI. MADE complains against Wells Fargo and XXXX to XXXX. Im determined to get my hard work money back, even if i have to proceed legally.
Product: Credit card or prepaid card

I do not agree with the results of a capital one credit dispute case [ XXXX ] we opened for the charge of {$1000.00} in the end of XXXX for the XXXX tuition fees as we did not receive the service from the merchant. 
Merchant charge our credit card as they had in their possession with a promise of service when school reopen, but school was closed and they told us that fees of XXXX tuition fees will be adjust next month but as the government decide shut down the state the school was closed for next few month and we decided to take the kid out as this was his last year. 
Capital one has not done a fair review of the dispute case we opened, even after I have shared all the email communication I received from merchants about the credit they promised by the end of XXXX but when they failed to do so, I opened the dispute with Capital one. Capital one has clear communication that the merchant promised and failed and Even while we were on call with the merchant and capital one dispute supervisor merchant agreed that they will refund but dont have any date for it and want us to follow up after 6 month which Is not fair as in XXXX it would be year.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft KOHLS/CAPONE Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/2021 This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, 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 or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX