23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I tried trial wine offer from XXXX XXXX XXXX. I did not like the wine so I notified that I wanted to cancel the membership and the future shipment before the shipment was shipped. XXXX XXXX XXXX shipped the wine to me in light of my cancelation and charged my credit card. I did not receive the wine since I was not at home to receive it and I informed XXXX  that I did not order the wine. The wine was returned to the shipper. 

XXXX XXXX refused to refund me. I spoke to an associate of PNC bank and informed PNC bank, the issuer of my credit card that I did not order the wine nor did I receive the wine. I further informed PNC bank that i wanted to dispute the charge. I was issued full credit. XXXX XXXX insisted on charging me {$20.00} for the return of the wine. I told XXXX XXXX that I was not informed the {$20.00} charge for the return wine when I joined the membership. Furthermore, I told XXXX XXXX that I cancelled the membership several days before the shipment was sent out. It was XXXX XXXX who shipped out the wine without my ordering. Then, without any contact or explanation from PNC bank, the XXXX XXXX XXXX charged me again for the wine I didn't receive.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX. 
XXXX, CO XXXX They are lying and saying I owe them money. I do not. They received 90 days notice that I was moving out. I moved out on XX/XX/XXXX. Rent was pro-rated until XX/XX/XXXX. They also have not returned my deposit of {$13000.00}. I never heard anything from them, and they submitted this fraudulent debt to a debt collection company. This company owe ME money, not the other way around. 

National Credit Systems , Inc . 
XXXX XXXX XXXX XXXX, GA XXXX These XXXX XXXX do not answer their emails, mail, or phone. They are trying to collect a fraudulent debt. I do NOT owe this money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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 an account without my written instructions.
Product: Student loan

On XX/XX/year>, XXXX months ago, I filed and application to lower my monthly payments for my direct student loan with Mohela. Since then, I have called XXXX times and have spoken to numerous reps getting different responses as to what is going on. Some have said XXXX XXXXXXXX XXXX lost my application and to resubmit XXXX. I have done everything asked and nothing has happened. Now I wait an hour to speak with someone and they literally hang up when I finally get someone and disconnect the call. I just need a lower monthly payment so I can be responsible and make my monthly payments and pay off my student loans. I can not afford the standard payment.
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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

In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Mortgage

The organization of the loan was XXXX XXXX When I applied for a modification they said it had been modified 3 times. A request for all 3 modifications. I also requested for a payment history starting from XXXX XXXX. 

I also was promised they will look at this matter and resolve it and havent had any results yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called this company to have these inquiries removed. I do not recognize these inquiries and I do not consent to having this false information shared on my personal credit profile. Please remove immediately as this hurts my credit reputation and livelihood. 

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

Date : Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I need these inquiries removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I really do not know where to begin but to start by saying my credit reports are a train wreck. After filling a consumers complaint with the Consumer Financial Protection Bureau ( CFPB ). Things have gotten crazy with my XXXX, Equifax, and XXXX credit reports. 
Now suddenly XXXX has me as my mother 's name and has my real name as an allis name. Equifax has me as another name as well but with a different name, all females names. After filing disputes about them merging my mother 's credit file onto mines, the account has been removed but still showing my mother 's name on my consumer credit file. 
The ( CFPB ) told me that XXXX said, and I quote The company responded that you may have been a victim of fraud. This has nothing to do with fraud but errors that these credit reporting has caused and the only thing they can say is fraud and not taking the responsibility of what they did to me. 
At first, I could not understand why I was been denied credit because from seeing my recent credit reports just last week, I did not see what I am seeing now. I fully understand now, why the FTC says that the FTC study found that about 25 % of consumers had an error on one of their credit reports, and 5 % were paying higher interest rates because of those mistakes. 
Now Equifax is showing an XXXX on my consumer credit report in a different name as well as XXXX is still showing my mother 's name under my social security number. This is again, not fraud, this is their employees merging our accounts together. 
I personally have all of these : Name misspellings ( common when family members share similar names ), Duplicate accounts, Incorrect accounts, Fraudulent accounts, Information or accounts from an ex-spouse, Incorrect payment statuses, Outdated information ( like negative accounts over seven years old ), Incorrect date of first delinquency on a collection account and re-insertion of accounts I disputed and was removed years ago, Equifax. 
It is so amazing to me about what Equifax is doing to me because I just sued them back in 2018 and won. Yesterday I just mailed off my disputes again to XXXX, Equifax, and XXXX, not knowing what I found out today. 
I keep going through this with these credit bureaus, from suing them to filing disputes on constant basic but you would think they would at least try to do the right thing and not be so money hungry. Stop putting your employees mistakes on the consumers.
Product: Credit reporting

TransUnion is reporting a duplicate public record, a tax lien, which results in showing XXXX XXXX XXXX XXXX tax liens instead of XXXX. Having XXXX public record on your credit report is " Fair '' ; having XXXX public records is " Poor ''. There is only XXXX. I have disputed with TransUnion, the same item several times over the past year, but they still report XXXX public records on my TransUnion credit report. I contacted the state of Virginia to ensure they reported only XXXX tax lien judgment. They confirmed there is only XXXX. It was filed in XXXX XX/XX/XXXX ; it was paid and released in XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX  Account # XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Cash Apps handling of my account. I funded my Cash App account using funds transferred from my primary bank, intending to use Cash App as a secondary savings account. However, Cash App has abruptly closed my account without providing any explanation and is now refusing to release my funds. Despite my repeated attempts to resolve this matter and recover the money rightfully belonging to me, Cash App has failed to take appropriate action. This lack of transparency and refusal to return my funds is deeply troubling and raises serious concerns about consumer protection and financial accountability.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX. Today is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

After viewing my credit report recently I noticed that there were several inquiries that I do not recognize, nor did I authorize. I contacted the reporting agency and requested removal of accounts but I was denied. I stated that I am a victim of identity fraud but they still would not remove the inquiries. Here is a list of several inquiries that were not authorized by me : 1. XXXX 2. XXXX XXXX 3. XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX Please dispute these inquiries or contact the reporting agency and request removal of these unauthorized inquiries.
Product: Money transfer, virtual currency, or money service

Send money through money gram to a person that ended up being a scammer. 
XXXX XXXX took over {$50000.00} dollars over 5 year period through various names and locations
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings ; I sent 5 rounds of letters to the credit bureaus such as XXXX, TransUnion and XXXX  but they dont ' investigate about my problem beacuse I have not recieve any letters of them.
Product: Checking or savings account

Can not close a safety box at a branch which is closed due to Covid-19. The Bank does not know when this branch will reopen. Since we are unable to access the safety box under the present situation, we like to close that safety box and receive a prorated refund of the fees we prepaid.
Product: Credit reporting or other personal consumer reports

I couldnt believe it when I saw inaccurate accounts on my credit report this morning. I always check it regularly, but this time, something was seriously wrong. I even tried refreshing the browser, thinking it might just be a glitch, but nothing changed. Now, I'm left feeling completely unsettled and asking for a thorough review of the documents Ive provided to put this nightmare behind me for good.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute XXXX XXXX XXXX XXXX on my credit report. The Highest balance listed on the account is incorrect. Please delete the account.
Product: Mortgage

Due to the covid protection I filed months ago requesting assistance/help in paying my mortgage. I filled out the appropriate paperwork with my mortgage company. I continue to contact them and all they tell me is there is no information. They state there is no way for me to check the status of my requests either. We are now months after I submitted this assistance/request and still nothing from my mortgage company. I thought there was supposed to be assistance for people struggling with income and not being able to make mortgage payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX we filed a ch. XXXX bankruptcy which was paid in full as agreed and discharged in XXXX of XXXX. We had 3 accounts with XXXX XXXX XXXX XXXX included in the BK and those loans were satisfied via the BK but in XXXX of XXXX after our discharge date they started reporting us 13 times late 90 days. This is a violation of the FCRA and I have notified them several times including in XXXX of XXXX, XX/XX/XXXX and XXXX of XXXX. Each time they correct it and then report it again the next time my credit is checked. This needs to be fixed permanently.
Product: Mortgage

This complaint is about the closing process on my Mr. Cooper ( aka Nationstar ) mortgage. The application process was quite easy and went smoothly up until the days before closing. My 'specialist ' went on vacation and her boss took over. I was then asked for proof of payments that were made over 5 months before. I was able to provide the required documents but was curious as to why I wasn't asked for them earlier. I was told that there was a random audit on my account and that certain documents were needed. If documents were needed for an audit, why weren't proper procedures followed from the beginning? They asked for additional documentation up until XXXX the night before closing. My drive to the closing was 2 hours and upon arrival I was told the closing was cancelled due to the fact that Mr. Cooper was not ready. I called the next day, complained, and was given a {$500.00} credit. I was assured that my closing was set for the next day because the lender had all the necessary documents. This was not the case. The closing was held up an hour while Mr. Cooper continued to ask for documentation. Even the supervisor who had given me the credit said that he was sure everything was ready. I don't need to mention how stressful a closing is. Do NOT use Mr. Cooper! They claim to provide excellent customer service when in fact they only add stress to an already difficult process.
Product: Credit reporting or other personal consumer reports

I need this stuff to be removed from my report, these are not my accounts. I have attached all the proper forms.
Product: Credit reporting, credit repair services, or other personal consumer reports

the disputed fraudulent information from my Credit Report. I sent a letter dated XX/XX/XXXX to remove the information reporting on my Credit File that are UNKNOWN to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, # XXXX, # XXXX & I am including it again : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed XXXX {$1000.00} XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$800.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$260.00} XXXX XXXX XXXXXXXX  XXXX Balance Owed : {$370.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2100.00} CHLD SUPRT  XXXX Balance Owed : {$30000.00} CHLD SUPRT XXXXXXXX Balance Owed : {$24000.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX CPS XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA 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

The timeshare company called me to ask if I would like to put my timeshare into deferment. I agreed, and I thought that is what I signed up for, but a few months later, They reported the 2 payments as a default instead of deferment. I am unsure if it was a mistake, but I would like this fixed. I have been denied credit and I am very upset! I fight hard to eep my credit in good standing, so for this to happen, it is truly disappointing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to update my address and it has been requested 4 times over the past six months in writing and by phone. Verifying documents have been provided with request submitted in writing and on XX/XX/21 Equifax verified me over the phone and advised my address was updated but this is false as of XX/XX/21 my address is still reporting inaccurately. I am a victim of identity theft and this is a serious issue. My address must be corrected immediately
Product: Debt collection

Debt collector CAVALRY SVP I, LLC Is contacting me regarding a debt that I have no knowledge of it and never signed a contract. I have submitted Debt validation letter and the company failed to provide any information. They stated to have my ID and social security number.
Product: Checking or savings account

I had 2 unauthorized charges happen on my account over night. Wells Fargo are saying they will fix it but I dont have the money back in my account. This is ubsurd. I dont even have my card in my possession.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX Account # XXXX Which I had paid off back in 2016. I have checked my credit report and notice several discrepancies. 1. The Last payment made differs drastically between the bureaus 2. No First delinquency date is listed, this is important since it lets me know when this account will be remove. I have sent a letter to XXXX XXXX and Equifax and to no avail did any corrections happen. It seems they get the data from the same source XXXX XXXX which seems to be sending inconsistent data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts with XXXX to remove these following accounts due to fraud : The following accounts need to deleted and blocked immediately due to fraud : 1. XXXX XXXX XXXX XXXX Account # : XXXX 2. Money Lion Account # : XXXX 3.  XXXX XXXX XXXX Account # : XXXX I am a victim of id theft and XXXX   has taken its slow time in removing these fraudulent accounts and XXXX has also violated my rights and broken the law 605B.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a few items that I had in my collections and I saw several inaccuracies. So I sent the credit bureaus letters for them to delete the incorrect information from my credit report. They opened an investigation and determined that everything is accurate and they changed the last date of activity to a further date which extends the statute of limitation time clock. So now I'm even worse off than before and I've been attempting to dispute for this same reason, but they open the investigation and continue to do the same thing. To the point that I literally had nowhere to turn.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that all accounts related to my credit file, as outlined below, be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and I believe the following accounts listed on my credit report are a result of unauthorized access. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$41000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/XXXX with follow ups disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attached and help to resolve this matter soon as possible.
Product: Checking or savings account

On XX/XX/XXXX I was unsure if I was possibly being scammed using XXXX through XXXX XXXX so I contacted my bank, explained what was going on, after I was done explaining, it was the customer service rep that sent the money {$220.00} to the person who I later found out, WAS INDEED scamming me. I assumed the bank ( or XXXX ) would know their policy, whether what I was told, was a scam or not, so when they continued with the transaction, I figured I was safe. I don't feel like this was your typical " account holder authorization '' error who was scammed, but the customer service rep who was careless and clearly did not know about their own policies, ( scam or legitimate ). Later finding out from the Internet it was a recent scam going around, I filed a claim ( dispute ) with my bank to reverse the charges, but was denied. 
I think they should be held liable.