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

I placed an online same day delivery order with XXXX XXXX on XX/XX/XXXX for a TV in the amount of {$480.00}. I was home the entire day and I didn't receive the TV as I anticipated, so I called XXXX XXXX the following day to inquire about the status of my package. I was told the package was delivered, however, I expressed to the representative I didn't get it. The representative opened up a claim and told me I'd get a response within 48-72 hours. I waited. Radio silence. I called XXXX XXXX again and I was told the same thing, again, I waited and nothing. 

I then decided to reach out to AMEX and discuss the situation, to which they opened up a claim. I waited for a few weeks to get a response, and I was ultimately awarded the credit. However, the credit was subsequently reversed after a few days. I called AMEX and they explained that the merchant sent over " documentation '' to support their claim. I asked for that documentation to be sent to me and they said I would receive it in a few days. I received it XX/XX/XXXX. All I received from AMEX was an exchange and return policy and a copy of the tracking information, which isn't at all reliable because it doesn't ascertain anything. 

Furthermore, I called AMEX again to have my claim reinvestigated based off that very vague and insignificant information. My claim was reopened again because the representative agreed with my findings. Then I noticed my claim was closed the following day. I called AMEX and asked why my claim was closed : I was told because XXXX XXXX sent over " additional '' information. I asked the representative to specify what it was and she explained that it was allegedly a text exchange between the delivery driver and I. I didn't have any conversation with anyone that day regarding my package, therefore it was completely false and fabricated. The representative even noted that my number didn't appear on the text exchange ( interesting ), so she reopened my case on those bases. The case was closed the following day, yes, again. I called and asked what else can be done and I was told I could write a letter, as I obviously didn't have any additional documentation to support my claim. I wrote the letter on XX/XX/XXXX. ( What documentation would I have for an order I was supposed to receive that didn't arrive? ). Fast forward, on XX/XX/XXXX my case was closed. I exhausted all of my resources at this juncture. This is my last resort.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXAccount number XXXX. XX/XX/2022. 
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting

I sent a letter XX/XX/2015 questioning my credit report and some of the accounts reporting. They sent me a letter basically calling me a liar and saying my letter was suspicious which make no sense as I followed the directions on their web site and included copies of my military ID, drivers license, social security number.
Product: Credit card

I opened an AA Citi Advantage Credit Card to gain the promotional value for a flight I was booking that day. I was told I would receive a temporary card number so that I could use my card immediately. I never received the temporary number via email and I didnt see it on my screen when it supposedly displays. When I called and spoke to 10 different people who bounced me around from Citi dept to dept, I was it would be emailed within 24 hours. I never received it, so I called again the next morning and spoke with a supervisor who said those people were incorrect and that I just had to wait for the credit card to arrive. I said it is false advertising if you are telling people they can use the card immediately to book the flight but cant. I said now I just have a credit card opened and can not book my flight or use the promotional advertised rate. I was hung up then by that supervisor who said he could only close the account for me, without even trying to resolve my problem. I asked for one of 3 solutions : to generate and resend the temporary card number, give me the actual credit card account number as the account has been created, or credit me in the amount that the flight will surely go up with another 10 days as it is a XXXX flight in the amount of {$200.00}. The supervisor told me they could do nothing to remedy my problem but close the account after I provided MY personal information, like SS #. I said you have my personal information, I am giving it to you, so I would like the account number and I was just hung up on.
Product: Debt collection

XXXX of the meadows have 2 different companies reporting and trying to collect on a debt that I do not owe. 
15 usc 1692 c ( c ) clearly states if a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication.

I have talked to both companies and asked for proof and for them to stop calling my residents and to stop sending emails and its still going on. Both are reporting 2 different amounts.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Against Equifax for Noncompliance with 15 U.S.C. 1681o To Whom It May Concern, I am writing to file a complaint against Equifax for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o.

Details of the Complaint : Nature of the Dispute : Equifax failed to properly investigate and correct inaccurate information on my credit report, despite being provided with evidence. 
Supporting Documentation : Impact : This negligence has affected my credit score and caused financial harm. 

I request that the CFPB investigate this matter and hold Equifax accountable for their After disputing with Equifax my credit on XX/XX/year> my credit score went down to XXXX points and the representation stated when I dispute something, my credit score goes down. I can not get a credit card, emotional distress, interest is high Thank you for assistance
Product: Debt collection

I received a letter and an attempt to collect a debt I do not own. XXXX XX/XX/XXXXhas sold this debt ( they actually created ) to XXXX XXXX XXXX and this debt was never mine. XXXX XX/XX/XXXXhas sent a letter acknowledging this, see attached. 

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

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. PUBLIC RECORDS : BANKRUPTCY CHAPTER XXXX DISCHARGE
Product: Debt collection

In XX/XX/XXXX, my bank account was frozen and funds taken for a debt that I knew nothing about. My bank provided me with information stating that Forster Garbus & Garbus had filed suit against me in XX/XX/XXXX. I called Forster Garbus and Garbus in XX/XX/XXXX and requested they send me all information regarding this case, as I had not been notified prior about any collection efforts. They sent this information dated XX/XX/XXXX, to my home and I reviewed it. I ascertained that the debt was valid, and since that time I have made repeated calls to the agency requesting to make payment arrangements for the debt, and for them to stop attacking my bank account and causing NUMEROUS overdraft fees to my account. I have received no answer from the agency, and my bank account was again hit on XX/XX/XXXX, causing financial hardships.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX account is NOT a charge off, collections nor is it a Fail To Pay. I have been with this Company 20+ years. I relocated to another State and XXXX was not able to transfer my service 's or account, So I was FORCE to CLOSE OUT and PAYOFF ACCOUNT.
Product: Mortgage

We had a mortgage with Wells Fargo back in XXXX, and the failed to work with us on a loan modification A complaint was filed back in XXXX. I notice that Wells Fargo has a settlement out there, but I was never contacted by them. I do believe I am part of the settlement.
Product: Credit reporting or other personal consumer reports

PNC Loss Mitigation provided me inaccurate information throughout the mortgage modification application process. I was told to wait to make a payment until I knew what my loan modification options were. I followed this guidance. Then PNC reported to the credit bureaus that I was 120 days overdue and my credit score dropped XXXX points. I have been trying to get this corrected because I was only following the damaging misinformation PNCs loss mitigation team provided me. PNCs executive client relations has been looking into it for over a month and has not provided me an update. They promise me calls and then do not call when they say they will.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXXXXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U. S. C 1681 section 604 A Section 2 : it also states the consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

This is the second time that I've been locked out of my account because of Chase 's use of " public data '' to verify me. 

They don't use the credit reporting companies. They won't divulge the data source that they use to verify me on the phone.

They have a voice verification system that they refuse to use for authentication which I think arbitrarily cuts off access to my account when questions they're asking don't appear to have any relation to my activities.

With the dozens of security breaches that we've all been caught up in, it seems unlikely that they're would not be errors in this " public data '' source keeps on me.

In a financial world where corporations and merchandisers sell credit cards, these credit cards are actually being managed by another unnamed firm. So when I get asked to verify the existence of my activities with this unnamed firm, I can't possibly answer because I didn't take out a credit card with unnamed firm. I took out a credit card with such and such retailer, XXXX XXXX, XXXX, XXXX XXXX. 

On another occasion, they asked me the loan originator for my college loan in 1977! I didn't know it then and I certainly don't know it now. I can tell you when I paid it off, but I couldn't possibly tell you the name. And yet this exact example locked me out of my account. 

I understand why they're using these public data sources which I don't believe are public data sources. I think they are an unregulated, gray credit reporting agency.

I want them to use the credit reporting companies and be responsible for any misinformation rather than this ethereal unnamable public data source their accessing that may just have bad data on me and I can not fix it. There are no laws yet that require corporations to fix bad data on unofficial data collection databases. 

It's time for all financial reporting entities provide consumers with the same protections that the credit reporting agencies are held to.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 consent.
Product: Credit reporting or other personal consumer reports

I disputed incorrect information on my report, requested a deletion and a full investigation but did not receive any. Although I provided all the necessary information required by law on my part. 
In accordance with the Fair Credit Reporting Act These accounts have violated my rights : 1. XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ). I submitted the identity theft reports related to these two inquiries on my credit report. I also contacted these creditors to let them know that I did not authorize these inquiries on my credit report.

It is important to note that I received two letters from Equifax stating that the inquiry from XXXX XXXX XXXX was removed before but, it is still showing on my report. This inquiry also has been in dispute for more than seven months.

I'm requesting that these inquiries be removed from my credit report. Please send me proof that I authorized these inquiries in case you refuse to remove them.

615 ( f ) and 623 ( a ) ( 6 ) 15 U.S.C 1681 section 602 A of the Fair Credit Reporting Act. 15 U.S. Code 1681c2 - Block of information resulting from identity theft. ( a ) Block 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 15 U.S. Code 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1681 Section 604 A. section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$920.00} XX/XX/XXXX XXXX XXXX {$9000.00} XX/XX/XXXX I been disputing these fraudulent inquires and accounts since I discovered I was a victim of identity theft. Nothing is being done. I never did business with these companies nor have any knowledge of them. I didn't give these companies permission to use my information. I have filed in person police reports. I believe it might be a family member using my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 leases with XXXX XXXX. I have had excellent payment history on both accounts, until the national lockdown in XX/XX/2020. The world suffered from this pandemic and during this time everything non-essential was closed. We contacted XXXX immediately requesting a deferment which was granted. We continued timely payments even though our NJ XX/XX/XXXXis only at 25 % capacity ( which equals 17 seats ). I believe that reporting a late payment, while the world was shut down and experiencing uncertainty to the future, is completely unfair. 
As we continued with perfect payments, we are trying to purchase a home since our lease is expired and our landlord wants us out so she can sell her rental. Unfortunately, this negative reporting on 2 accounts lowers my score unfairly. This derogatory reporting will affect our ability to secure a good mortgage or a fair interest rate. 
Please help a XX/XX/XXXXsurvive these uncertain times and help us enjoy our hard work & perseverance as a survivor and not a victim. Thank you!
Product: Student loan

In XXXX of XXXX  I applied to be put on the SAVE plan on my student loan with Nelnet. I was first told to apply by mail, for which they gave me a fake address that resulted in my application being returned to sender. 

They later accepted an electronic application to which they have yet to respond to despite requiring payments on my loan for 6 months. 

Additionally, I attempted to add a bank account for autopay to take advantage of the interest rate reduction that comes with doing so. They responded by putting my account into forbearance to ensure they remained collecting interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently the copy of my credit report sent to me by your company and found that you are reporting the below account incorrectly. Under the FCRA, both the credit reporting company and the information provider ( that is, the person, company, or organization that provides information about you to a credit reporting company ) are responsible for correcting inaccurate or incomplete information on all reports they hold in their possession. When I tried disputing via mail, I received a letter from your company that my written dispute was suspicious/frivolous. The FCRA also states that I have the right to dispute information that is not accurate, a right your company is denying me by claiming my letters of dispute are frivolous or suspicious. 
I have been disputing the below accounts for over a year. And within this time your company has been unable to provide me with the necessary information to prove that the below accounts belong to me. All your company ever do is open investigation after investigation with no end result. Finally in XXXX of 2017 the below accounts were removed as they were found to not be mine. 
I have since learned that your company has improperly re-inserted the below accounts on my report. According to FCRA rules, your company can not re-insert derogatory information on a credit report without first notifying me in writing, which it failed to do. The Fair Credit Reporting Act, 15 U.S.C. 1681 ( i ) ( ( ii ), states : Notice to consumer. If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion of, if authorized by the consumer for that purpose, by any other means available to the agency. 
Your company has never notified me in writing of this re-insertion within 5 days, therefore, pursuant to the Fair Credit Reporting Act, this alleged account needs to be deleted from my credit report.
Product: Vehicle loan or lease

My very first payment I paid XXXX $ I was told it satisfied 3 months of payments. They actually put the money towards principle and charged me late fees for 3 years.
Product: Debt collection

Cavalry XXXX reported an account from XXXX Bank on my credit. I never had an account with XXXX BANK. I sent for validation on the account the account, they sent some statement that is not mine. The dates on the account continue to change. I never had an account with XXXX BANK. THERE IS NO XXXX ACCOUNT ANYWHERE ON MY CREDIT REPORTS
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts and inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX inquiry from XX/XX/2022. 
The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. 
Did not consent to unauthorized inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six 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 an alleged fraud or extortion. 
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Product: Checking or savings account

I am Chief Financial Officer of XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Our XXXX XXXX XXXX XXXX XXXX XXXX, have a Us bank business account number XXXX, Routing number XXXX with {$21000.00} Capital funds on hold by us bank with out any authorization or merit. Us bank Corporate office placed a hold on are XXXX XXXX XXXX XXXX XXXX, Us bank account last XXXX XXXX on XX/XX/2022. Us bank 's unfair & discriminating actions, violate, XXXX  XXXX XXXX Practices XXXX XXXX, California Deceptive Trade Practice act protection, and the California unfair Competitive act protection laws by Placing a Us bank business account hold on XXXX XXXX XXXX XXXX XXXX, Us bank account number XXXX, preventing all the board of directors access to XXXX XXXX XXXX XXXX XXXX, {$21000.00} XXXX XXXX.
Product: Vehicle loan or lease

XXXX XXXX  repo my car inXX/XX/XXXX. They later sold my auto at auction for {$5000.00}. I recently asked XXXX  to send me a bill of sale for my vehicle. XXXX  want to pay {$14000.00} on this car they repo. I need to see a bill of sale of this XX/XX/XXXX XXXX XXXX They ripped me off! I didnt own that much on this car loan. They are loan sharks!! I need some help!XX/XX/XXXX XXXX XXXX XXXX.
Product: Debt collection

I sent Goldman Sachs Bank USA my cease & desist letter via certified mail on XX/XX/2022. I recently saw that Goldman Sachs Bank USA received my cease & desist letter on XX/XX/2022. I demand that Goldman Sachs Bank USA stop violating XXXX XXXX XXXX ( XXXX ) ( XXXX ). Goldman Sachs Bank USA called my phone today XX/XX/2022 at XXXX after receiving my cease & desist letter. Goldman Sachs Bank USA has violated my rights once again today by harassing me about an alleged debt. I also demand that Goldman Sachs Bank USA to respond back to my cease & desist letter. I need an audit trail and any other documents so I can verify this alleged debt.