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

I have been a victim of identity theft by someone whom I do not know. I am unsure how long this has been going on. This is severely impacting my financial wellbeing. If you see any suspicious activity, this was not done by me. Bank accounts were open in my name. I contacted XXXX and they did not remove the fraudulent account.
Product: Student loan

Enrolled in school in XX/XX/XXXX. My original loan principal balance was {$15000.00}. The lawn was in my fathers name. I only attended my school until XXXX. I did not finish due to finances. Needless to say I never finished college because it was too expensive to pay back the current loans that I have. As time went on my father expected me to pay my student loans because they were mine. At that time I was making {$9.00} and was expected to pay {$180.00} a month. When I reached out to my loan servicer to explain to them that I could not afford it they just put me in a forbearance. That was in XX/XX/XXXX. I was forbearance from XX/XX/XXXX to XX/XX/XXXX. Once I was married I was able to make a little bit more and start to pay off the loans. But at this time my interest rate went up 8.5 %. In XXXX I received an email I believe in XXXX that my loan was going up from {$180.00} a month to {$500.00} a month. Being XXXX  with her first child on the way and the pandemic happening we simply couldnt afford this. I reached out to our loan servicer and they suggested us consolidating the loan. They suggested this because I later found out on my own that we have maxed out the repayment plans. My servicer was putting us Repayment plans as well as for balancing my loans. Once I consolidated my love I was hopeful that I was going to be able to make payments because it was extended to a 30 year repayment plan. I then realized that my payments were now going to be over {$300.00} a month for the next 30 years with an 8.5 % rate. Leaving where my original principal was {$15000.00} to now {$40000.00}. But then that really leaving the loan to over XXXX in a XXXX fix. I Find it to be unfair that my loan servicer directed me and always possible in the wrong direction. No one helped me no one guided me no one directed me in the Direction and how to pay these loans off. I did not graduate and I understand that is my own decision I did choose to go to school and I know that was my own decision. But I did not choose nor expect to be in more debt than I ever thought I would be over 10 years later after taking out a loan to try and better educate myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute information that Comenity Bank/Victorias Secret Credit Card supplied to XXXX, XXXX  XXXX XXXX, XXXX, and XXXX  XXXX XXXX. 

Retailer account at Comenity Bank/Victorias Secret Credit Card is discriminatory in their unwillingness to grant a goodwill removal for an accidental late payment on an account that was otherwise in satisfactory standing since origination. The account balance was paid in total and automatic payment was enabled to prevent any future delinquency. 

Additionally, a past due email notification that a payment was due or past due was not provided. After reviewing email correspondence received in this matter, I found that Comenity Bank ceased to provide automated payment due date notifications after XX/XX/XXXX without myself submitting any changes to the delivery notification settings that were previously enabled. I had not missed any payment deadlines in the past. 

When Comenity Bank attempted to contact me by phone to collect an outstanding payment, all incoming calls from their company were reflected as a spam caller. 

I've explained that this mishap has occurred at a time where I am applying for mortgage financing and they have been unreasonable in multiple requests for goodwill accommodation. This is in staunch contrast to what I was led to expect from a customer service representative over the phone in this regard. 

I am requesting that Comenity Bank/Victorias Secret Credit Card have the late payment history removed from all three credit bureaus, which was reported on or around XX/XX/XXXX. 

Please investigate this matter and delete the disputed item ( s ) as soon as possible, to reflect that my account has been paid as agreed.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligations under the fair credit report act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues, such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disrupted items despite the evidence I provided, causing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Equifaxs inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2021 I initiated an order via Affirm with the merchant Visible. The payment was processed and was received on XX/XX/2021. 

On XX/XX/2021 I initiated a return with the merchant due to the product not being as described ( I was sent the wrong model ) and made a return with the prepaid label the merchant provided ( attached below ) on XX/XX/2021. After speaking with the merchant over the next few days, I was informed it would take up to 21 days, I was informed on XX/XX/2021 by the merchant that the carrier confirmed they lost my return package and a police report should be filed, after filing a a police report on XX/XX/2021 with the XXXX Police Department, I was then informed by the merchant on XX/XX/2021 that they decided to deny my refund request. I explained I had no fault as I returned the package using their prepaid label. 


I then reach out to affirm to complaint over the span of the next few weeks regarding the carelessness of the merchant and how they were basically stealing my money as I provided proof that I no longer had the order in my possession as I returned it, effectively forcing me to pay for a product/service that was not as described, as in this case the phone was damaged which is why I initiated the return. 

Below you will find Affirms practices as a payment facilitator for their partner bank, XXXX XXXXXXXX XXXX, did not meet the standards expected of a financial institution. XXXX refused to initiate an investigation on their end, even though the merchant committed fraud by not returning my money for a product I returned and subsequently filed a claim and was paid out by the carrier for the insurance on the return. In this case, affirm is not just a facilitator of payments, they are a financial institution that provided me with an installment loan and they refuse to help me even though the merchant is committing abuse and possibly fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had my credit profile pulled. Upon looking at this report I have noticed there were accounts on there that were not mine so please DELETE those accounts and the home addresses listed. PLEASE REFER TO THE ATTACHED IDENTITY THEFT REPORT REGARDING THE BELOW ACCOUNTS TO DELETE. 

I found several accounts where there are late payment history being reported which were never late, please AMEND those accounts listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, XXXX, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance {$500.00}, XXXX XXXX XXXX XXXX Balance {$420.00}, XXXX XXXX XXXX XXXX XXXX {$1400.00}, XXXX XXXX XXXX XXXX Balance {$630.00}, XXXX XXXX XXXX XXXX Balance {$500.00}, XXXX XXXX XXXX XXXX Balance {$200.00} XXXX XXXX XXXX XXXX XXXX Balance {$300.00} XXXX XXXX XXXX XXXX Balance {$0.00}.
Product: Checking or savings account

ON XX/XX/year> I DEPOSITED A CASHIER CHECK IN MY WELLS FARGO BUSINESS ACCOUNT IN THE AMOUNT OF XXXX WELLS SET MY ACCOUNT TO LOSS PREVENTION AND REFUSE TO RELEASE FUNDS TO ME THEY SAID IN OEDER TO GET FUNDS I HAD TO FILE A CLAIM WITH XXXX XXXX AND XXXX XXXX SAID THEY CAN NOT HELP IT WAS BETWEEN WELLS FARGO AND ME I ASK WELLS FARGO WERE FUNDS WERE THEY SAID TEY WERE SENT TO THE UNCLAIMED PROPERTY DIVIVION AND I CSLL AND SEARCHED UNCLAIMED PROPERTY AND NO FUNDS WERE AVAILABLBE THROUGH THEM THEN I CALL WELLS FARGO THE SAID THEY STILL FUNDS AND THE ONLY WAY I COULD GET THEM IS THROUGH XXXX XXXX AND XXXX XXXX THE ONLY WAY IS THROUGH WELLS FARGO PLEASE ADVISE
Product: Checking or savings account

To Whom It May Concern, I am filing a formal complaint against Citibank for failing to process transactions in a timely manner, which has resulted in financial harm, emotional distress, and unnecessary strain between me and my fiance during one of the most important moments of our livesour wedding. Due to Citibanks negligence, I have been left unable to pay for my cruise ship tickets for my wedding, which are due tonight at midnight. I am demanding immediate resolution and financial compensation for the damages I have suffered. 

Due to Citibanks delayed transaction processing, I incorrectly assumed I had {$80.00} plus an incoming refund of {$1400.00}, which would have brought my total to XXXX XXXXenough to pay for my wedding cruise tickets. However, instead of my refund being added to my available balance, Citibank immediately took the entire amount to cover a discrepancy created by Citibanks own delayed processing. This left me with only {$25.00} in my account, making it impossible to pay for my wedding cruise tickets. 

In an attempt to recover funds, I refunded a best man gift, expecting those funds to be immediately available to cover the payment. Instead, Citibank immediately took the entire {$1400.00} refund to cover the previous discrepancy, leaving me once again without enough money. To try again, I refunded a second best man gift worth {$1700.00}, expecting those funds to be available for my wedding expenses. Now, Citibank is holding that refund for seven business days, despite the fact that refunds to my debit card have always been available immediately in the past. Because of these delays, I now have no way to pay my cruise line tickets before my midnight deadline tonight, and I have lost both gifts meant for my best man. 

This situation has caused significant emotional and financial stress between me and my fiance, all because a multibillion-dollar company refuses to release a mere {$1700.00} hold. 

Because of Citibanks failure to process transactions properly, I am demanding immediate financial compensation for the damages I have suffered. 

I am requesting a financial credit of at least {$3200.00} to compensate for : The total amount of funds Citibank has withheld from me The loss of my wedding cruise tickets due to Citibanks errors The loss of two best man gifts that I was forced to refund The severe emotional distress, relationship strain, and inconvenience caused by Citibanks mishandling of my funds I am requesting the immediate release of my funds, including the {$1700.00} refund that Citibank is unjustifiably holding, as well as an official explanation as to why Citibank is suddenly delaying my refund when similar refunds have always been available instantly. I also request corrective action to ensure Citibank processes transactions and refunds in a timely manner to prevent further financial harm to customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$25000.00} XXXX Inquired on XX/XX/XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX.
Product: Money transfer, virtual currency, or money service

XXXX XX/XX/XXXX- XXXX XXXX, I received 6 XXXX payments from a XXXX XXXX. I verified their identity, via drivers license. Originally XXXX XXXX XXXX failed. They had to call the bank and verify their identity with the bank. Bank of America, verified the XXXX, and release the payment. They made 5 more payments to me after that totaling {$3100.00}. In XXXX XXXX filed a complaint for fraud, more than the 120 days protected by law, and Bank of America, reversed all the XXXX payments out of my account. How do zelle payments greater then 6 months old get reversed when the bank verified them in the first place. If this was truly identity theft, failure to report fraud in a timely manner should be on XXXX, not me or Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act.XXXX account number.i dont see a account number on my credit report but i am pretty sure you can figure it out with my personal information.anyways my rights were violated 15 u s c 1681 section 602A have the right to privacy and 15 u s c 1681 section 604A section 2, it also states a consumer reporting agency can not furnish a account without my written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

I have applied to an apartment complex recently. I was denied due to not having enough credit on my report. That has to be inaccurate because I have rented two apartments, one of them for over 2 years, and have recently took out two credit cards that I can't pay back  due to being on XXXX XXXX  XXXX and being cut off of funds. Also, because of my XXXX XXXX XXXX insurance not paying me, I ended up evicted as well. I am just a simple person trying to do right. I make one mistake by being kind and capitalism just continue to kick me while I'm down without giving me time to put in effort to get things back on track.
Product: Credit card

We have been dealing with a foreign vendor that has was not able to ship out a very expensive dog slat mill from purchase time in mid XXXX. This vendor has been desperate to not refund the money and has said what it took for us to consider salvaging the deal. So we had a dispute with him and closed that dispute as he promised to get the merchandise to us. This vendor knew where we lived as he charged shipping as part of the original item quote. He still could not get it shipped to us and I filed a complaint with the CFPB back in XXXX because my credit card company would not re-open the dispute. They only re-opened the dispute after I filed my CFPB complaint. Meanwhile the vendor told my husband in an e-mail that he had to take the item apart to limit weight to send air freight and that if he could n't send it out within a week from XXXX XXXX, 2017 that he would refund our money. We never heard back so after a week and 1/2 I contacted him and he was very rude saying I had called him names and a scam, which is not true. I said I was inquiring about the refund he promised if unable to ship a week from XXXX/XXXX/17. It was now XXXX/XXXX/17. He simply comments he will refund the money if not able to send out. I told him in that e-mail enough was enough and not IF he would refund ... but WHEN he would refund. So when my credit card company ( Citibank ) re-opened the dispute they gave me a conditional credit back. The vendor had NEVER communicated with us since that XXXX XXXX, 2017 e-mail. He never shipped out the item. IF he had we would have had tracking information, etc. SO what does he tell my credit card company? He tells them he shipped the item. I never even saw what he provided my cc company. However, what did they do? They put the charges back on my credit card and now I am over the credit limit. Really? I am their client that they should protect from unprofessional vendors who have a history of scamming people. 
XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX will scam you. : XXXX XXXX I actually just posted on the facebook page about XXXX being a scam artist. 
I did sign, date, and resubmit the emails to my credit card company indicating I want the dispute to continue. The cc company has an obligation to make it right with the consumer. It is a {$1500.00} item, and we absolutely did not receive this item. Being located in a remote, rural area, it is very easy to see if an item was sent or received. I want the credit card company to refund my money and close the dispute recognizing that the vendor is fraudulent and again owes some level of protection to the person they have obtaining credit through them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm looking at my credit report through XXXX XXXX, and I see that Factual Data pulled two  hard inquires 9 days apart from one another. The first one I did authorize, but the second one I did not. Why would the same company need to pull my credit history twice anyways? It does not make sense. I believe that was an error. Please help me resolve it. Thanks you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted several times in past week - XXXX XXXX to freeze my credit with equifax continuous ERRORS after several screens others XXXX and XXXX also want to charge me even though XXXX million of us were hacked time to step up and make them FREEZE OUR ACCOUNTS NOW - cost {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report because I am trying to buy a home and I seen that someone has been using my identity for accounts and utilities. I have never lived in XXXX XXXX XXXX , XXXX, TX XXXX or done business in that state. I do not recognize the inquires and companies : XXXX XXXX, XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX # XXXX, XXXX XXXX # XXXX. I in the process of securing my credit files, and personal Identifiers with XXXX XXXX, XXXX XXXX, XXXX, and Experian I had to file a complaint with the FTC as well. It is possible that someone is still using my name and information.
Product: Credit card

XXXX XXXX letters from Bank of America. XXXX letter states they received XXXX applications for a Visa credit card so they are cancelling the XXXX application. The letter did NOT include a phone number to reach out to them for any questions. The XXXX letter states they can't approve the request due to other factors including No deposit or investment balances with Bank of America. Again, they did NOT include a phone number to contact them with questions. I had accounts ( banking and credit cards ) with them about XXXX years ago but closed them all as I was unhappy with their customer service, fees for paper statements/teller transactions and interest rate that I deemed too high. It appears they have kept me active on the marketing side which should have been deleted. When I went into the branch to close out all of my accounts, I specifically told them to remove me and my wife ( who was with me ) from all mailing lists and not to contact us in the future. I was not sure if the application letters were legitimate as there wasn't a contact phone number, until today when the inquiry showed up on my XXXX credit report. In my opinion, they breached my private information by sending out marketing material.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have hard inquiries that appeared on my credit report across all three credit bureaus TransUnion, XXXX, XXXX on various different dates. I have contacted all three bureaus by mail about this incorrect information on my report. All three bureaus replied stating that it was my responsibility to investigate these creditors & matters individually. 

( TransUnion ) XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX ( XXXX ) XXXX XXXX- inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX - inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX
Product: Student loan

Unable to repay at this interest rate.. almost 1/4 of loan is now interest.
Product: Debt collection

Dear CFPB, I really need help to address this inaccuracies on my credit report which is tarnishing my reputation and stopping me to establish a good credit. I have sent a dsipute to credit bureaus but I was not able to receive a good response. 

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

The company is reporting my auto loan late 30 days also 60 days late when the account is not late and My account was put on deferment XX/XX/XXXX XX/XX/XXXX natural disaster it was granted so I was informed that there would not be a late fee and they would not put my account to late status. But its still reporting late on my credit. Also XX/XX/XXXX & XX/XX/XXXX my account was granted and approved for Covid 19 assistance and put the amount due to the back of the auto loan. My account is in good standings but they keep reporting negative as its impacting my credit score. Please I just want them to update correctly as I was told they would but never done. XXXX  is reporting XX/XX/XXXX late, XXXX & XX/XX/XXXX late. Equifax is reporting the same as XXXX, and XXXX  is reporting XXXX & XX/XX/XXXX late XX/XX/XXXX late & XX/XX/XXXX late.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian are all reporting bankruptcy information that was obtained fraudulently and is also inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was filed XX/XX/XXXX, the date paid was XX/XX/XXXX, it was obtained illegally and I demand to have it removed from my credit report, and # XXXX was filed XX/XX/XXXX, the date paid was XX/XX/XXXX, this information was also obtained illegally and I demand to have it removed from my credit report.