23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

3 months ago we refinanced our mortgage with another bank, BB & T has not returned our escrow balance of {$2200.00}. We never had been a single day late for payment while we hade mortgage with them. So this is their way to make sure we never come back! Past 3 months we called so many times, even went to branch manager for help us but all we had is empty promises : " 2-3 days '', " 24 hours '', ... etc everything but refund check!
Product: Debt collection

I have been requesting, since XX/XX/2021, verification of these alleged debts that they keep reporting on my credit files. However, this company has failed to investigate & obtain, as mandated by law, proof of such debts. Yet, they have continued to report & sell erroneous information about me. Therefore, it is quite obvious that theyhave deliberately violated my rights in more than one way which is punishable by law.
Product: Credit card

I purchased a bed through XXXX XXXX and was told there was going to be a 100 day in-home trial to make a final decision on the bed that was purchased. However, when I was conclusive that I was not happy with the bed I chose due to practicality and a significant unfavorable difference in price, was told that the base/ bed frame I had purchased was " final sale '' and not able to be returned ( which was never disclosed to me ). Therefore, had I changed my selection to what was more fitting to my wife and I, would have been left with an expensive adjustable base/ bed frame with a mattress that would not be adjustable. Basically paying for an item that I could not even use.
Product: Credit reporting, credit repair services, or other personal consumer reports

First and foremost I am the original creditor 15 USC 1692 ( 4 ). I am the originator and the consumer. 
Secondly, XXXX mailed me a signed consumer contract on XX/XX/2022, which is not sufficient evidence of a debt. All that means is a credit transaction took place. 
According to case law, Pacific F.C.U v Kaunaone, The term " debt '' is defined in 15 USC 1692 ( 5 ). A " debt collector '' is defined in 15 USC 1692 ( 6 ). 

My rights as a consumer have been violated. According to " Permissible Purposes Of Consumer Report '' 15 USC 1681b ( a ) ( c ) ( 2 ) I never gave any credit bureau written consent to report Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX AND Account # XXXX on my credit report. The fact you have a consumer report for me is a violation see Exhibit A attached of my consumer Report. 

I am demanding that XXXX produce proof of a WRITTEN note from me, the consumer, giving them consent. If they can not then this is a violation of 15USC 1681q and 15 USC 1681a ( 3 ). 

What I am demanding right now is that you guys delete the following XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX AND Account # XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and FDCPA.
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/XXXX, Prosper Loans inaccurately reported my credit information, falsely marking my timely payments as late. Despite eventually correcting this error, it required multiple calls on my part. On XX/XX/XXXX, I contacted Prosper and was informed that my scheduled payments were incorrect and needed to be adjusted to {$610.00}. A few days later, I received an email indicating another discrepancy and urging me to call for corrections. Upon calling on XX/XX/XXXX, I discovered that my monthly payment was now {$510.00}. Each time I check my account online or speak with a representative, the payment amount differs, and I receive vague responses regarding my loan. 

I suspect that something dubious is occurring with my Prosper Loans account, as I believe it has been fully paid off, yet they continue to collect payments. I have encountered numerous issues with Prosper Loans, including inaccurate disclosures and representatives who lack the ability to navigate the system and answer basic questions. There is a clear disconnect between providing consumer loans and upholding proper customer service standards. 

As a result, Prosper Loans has cost me unnecessary money, time, and other resources. Their failure to conduct business appropriately in the financial services sector for consumers is unacceptable and deeply concerning.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account XXXX Inaccuracies among the reported lates between the XXXX bureaus. 

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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Thursday XX/XX/2021 I setup a payment to pay in full two XXXX collections that were with XXXX XXXX. 

Reference No 's are as follows : {$250.00} XXXX {$1800.00} XXXX Both accounts are paid in full and closed, but XXXX has yet to update the credit report. I feel as if I have been scammed and this company is not apart of XXXX.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. I know for FACT I did not give, nor do you have my written instructions to furnish my information. Since I did not give you written consent to do such, that is identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. It has harmed my family and I severely. THIS SECTION ON WHY THESE CREDIT INACCURACIES ARE DETRIMENTAL TO MY LIVELIHOOD. 

This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

I expect a written response from your credit bureau within 4 days of receiving this letter. Failure to respond will leave me no choice but to escalate this matter further, including reporting the violation to the appropriate regulatory authorities and pursuing legal remedies available under the FCRA. 

I, XXXX XXXX state that the information you are reporting is not information relating to any transaction that I made by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing Erroneous Information on my credit report since XX/XX/2022 and I have been waiting for the Credit Bureaus to respond but up until now, I haven't gotten anything from them. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX, and Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. I am requesting this information to be reviewed for completeness and accuracy and appropriateness. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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
Product: Debt collection

I was contacted by XXXX XXXX XXXX in XXXX XXXX in regard to a debt that was charged off in XXXX. XXXX XXXX called saying that he was collecting this debt and that I need to pay the entire debt of {$7400.00}. 

I requested supporting documentation to prove his firms right to collect the debt. 

2 weeks passed and after my receipt of supporting documents to prove he had any right to collect the debt, he again contacted me. We had come to a verbal agreement of {$3200.00} and he was to email me a settlement letter to sign with that amount. 

2 weeks passed and instead of receiving the settlement letter from XXXX XXXX, I receive an emailed settlement letter from XXXX XXXX and a XXXX XXXX CC'ed. It 's for {$5200.00} I feel the false statements by all parties named has caused a real problem. I am not sure who to believe or whether this is a real company. They may have the same dotcom but all contacts have different phone numbers and none seem to know what either is doing.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting

I previously disputed this Bankruptcy on my account a while ago and it was removed and now I see it is on my account again.
Product: Debt collection

This was a phone bill owed by a dry cleaning store that is now out of business. This was never a personal account. I have noticed XXXX on three separate occasions and they refuse to do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the apps says that Im over limits on my card and I wan na know why. It says that I have to pay XXXX for some payments that I made but I dont remember making them
Product: Bank account or service

I went to the bank XXXX/XXXX/2016 and asked why my debit card is blocked. Representative took my debit card information and said that I took XXXX dolars from ATM and my account is overdraft. I said that I did n't do it and XXXX XXXX helped me file a claim about fradulent activity on my checking account by phone I was talking with person from Card Claims Team ( XXXX, MA ) who said that the fraud was exactly from my card in the Santander ATM in the XXXX, New York on XXXX/XXXX/2016. I did n't leave my room XXXX/XXXX/2016 because I had a flu, so I was in the XXXX XXXX, XXXX. Santander Bank refunded XXXX dollars to my account plus they refunded overdraft fees which they charged me. I thought that everything is okay now, so I did n't go to the police with it in the XXXX. In the end of the XXXX I got the letter that bank denied my claim and want me to paid XXXX dollars plus fees. I called them in emotions and explained that I did n't took the money. I believed that they will take care of it. XXXX/XXXX/2016 Santander Bank, XXXX MA charged me XXXX dollars and I got the letter that my account is charged. By the phone bank worker from Card Claims Team said that I had the card which was a crime and suggest that I gave my card or PIN number to somebody. I went to the bank and XXXX XXXX said that he ca n't help me, because decision against me was made in the XXXX, MA and the only way is the case in the court. He also said that it will cost me a lot of money for attorney. I felt bad after it because I am not rich as a Santander Bank, but I just wan na justice as a customer. I also heard from XXXX XXXX that I am not the only person who has money missing from the account in the Santander Bank, New York. I went to the police and they said that at the moment I should have a case against the bank in the court, because they ca n't make it report after bank investigestion. Every few days bank charged me extra XXXX dollars fee. My account is overdraft. I got the information that I have 35 days to pay everything or they will close my account and I will have bad credit score. From the beginning of this situation I felt discriminated because of my immigration status by the bank workers. They have a lot of my informations and they asked me about my passport information by the phone. I am a victim of XXXX so I will regulate my XXXX in a diffrent way. I felt totally bad because of my hard life situation and Santander bank make it even worse. I swear on the Holy Bible that I did n't took XXXX dollars from the Santander ATM and I did n't give my PIN number or credit card to anybody. Please help me.
Product: Credit reporting or other personal consumer reports

UNFORTUNATELY I FOUND OUT WHY MY CREDIT WAS DIMINISHED RAPIDLY>PAYPAL HAD AN ACCT THEY OPENED <LETTING XXXX DEDUCT from my maxed cc and never said, sent XXXX email for 18 months, only until i finally broke throughthey located this linch pin to my XXXX XXXX from XXXX but XXXX for XXXX claim the same timeline XXXX the big breach.Well i got my claim number called for the experion service offered, and started working on all the denial and XXXX from breach to be compensated.THEIR Process has a reset and no XXXX XXXX night as you can see on my copies the time and date I worked on the claim turned it in thrice and noticed never getting a confermation so i even emailed multiple about the site having issues and i made copies in case XXXX FORBID THEY DIDNT GET MY CLAIM. 
I emailed them and they said to send attachments and just like with every other case or situation, dismissed, shunned, toyed will, intimidation tactics its almost like they arent human.The breach undoubtedly effected me and they should honor my claim. 
THEYRE SO TYPICALLY DISMISSIVE that I found out I /we are best to certified mail these people.THE OTHER XXXX ONES XXXX XXXX AND THEY DONT SEE EVER BEING INSURED EVEN THOUGH THEY PAID & MONTHS.Theyre rushing to closed/charge it off because this one is a criminal act ,95 % certain of XXXX way this equifax breach rep had me XXXX even more time sending files in attach.Only to ignore until there was no time investigate the problem and honor my claim.
Product: Credit reporting or other personal consumer reports

I am writing to express profound dissatisfaction regarding the persistent presence of fraudulent account on my credit report. Following the reporting of this identity theft, I contacted the companies associated with the fraudulent account. While they confirmed the validity of the report, they indicated their inability to provide records. Nevertheless, they assured me that the fraudulent account would be expeditiously removed. 
It is noteworthy that both XXXX and XXXX have already expunged this account from their records after identifying and rectifying an error. I find it perplexing that your bureau continues to verify this account when the aforementioned bureaus have already removed it. I urge you to delete this account from my file, as it is marred by inaccuracies, errors, incompleteness, or unverifiability. 
XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I found an error on my report from my account with XXXX XXXX   stating that Ive missed a payment for XX/XX/2020. XXXX XXXX  has deferred my loan from XX/XX/2020 to XX/XX/2020 due to Covid-19. I was told that I can still make payments towards Escrow during any time of that particular month. My Escrow payment isn't required but should not report as a late payment ( especially if it was paid during XX/XX/2020 ). I've emailed XXXX XXXX  twice on XX/XX/XXXX and XX/XX/XXXX for clarity but they will not answer my questions but only respond to me when I'm submitting a payment. 

I've also submitted proof of payment and proof of mortgage deferment to the credit bureaus to remove the error and in return, XXXX XXXX   has verified the late payment as accurate AND listed a personal statement on my behalf ( without my permission ) to my credit report that reads " I am unable to make timely payments due to the impact on my job/wages as a result of the Covid 19 pandemic. XXXX XXXX   XXXX XXXX XXXX. ''
Product: Prepaid card

Direct Express/Comerica failed to stop an automatic payment I had set up on my account for XXXX XXXX. Direct Express/Comerica then processed another payment from XXXX XXXX after my stop order and is therefore unauthorized. They are now trying to shift the blame to me ( this was not my faulf ) and are refusing to return the money ( {$46.00} ). What transpired in trying to have this corrected is nothing short of surreal due to the reprehensible behavior I encountered. Im attaching a full statement and supporting documentation for my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent in error I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.
Product: Credit reporting or other personal consumer reports

Identity was stolen and used to apply for various items that were not authorized by me
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT XXXX  and I included it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX 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

We signed up on XX/XX/XXXX for the Covid-19 Disaster Relief program with Home Depot and the Home Depot Credit Card linked to XXXX XXXX. On XX/XX/XXXX we were charged interest in the amount of {$2800.00} and I immediately both wrote the problem in a trouble ticket and called the Customer Service Line and talked with XXXX who called the Accounting Department for me and said within 2 business days I would receive full credit in 2 to up to a  max of 10 business days. On the XX/XX/XXXX which began a whole new statement the credit appeared followed by a {$4000.00} charge which was the principle of the same promotional charge of the interest that was forgiven. I told them I was in the middle of a re-finance of my home and that large of a revolving account purcharse could harm my credit and/or increase the interest rate on my home for the next 30 years. I put it in writing again and called and the first representative told me that his terminal had the old software and would have to transfer me to another representative. The new representative could not help me so I asked for a supervisor whose name was XXXX. 

After explaining in detail for over 1 hour and 15 minutes I go nowhere but for her to say it could take up to one to two billing  cycles to correct ( which is 60 days ). I told her that was too long and she said she was a supervisor. I told her clearly it is a duplicate of the principle of the promotional balance back from XXXX and I had received the interest charged back very quickly and why could the same not be done here. No reply to a message sent if they could give a provisional credit until they determined their error.of double charging.I have written messages everyday since and called with no results except a message it had been turned over to another department. It is now XX/XX/XXXX and no word on a resolution. This also places me way over my credit limit by almost 2 times and further points will be reduced from my credit score as well as the Debt ratio percentage since this large amount gets added to my revolving credit amount. This is no way to treat a long-time valued customer and while XXXX was customer service oriented, polite, and accommodative ; XXXX was the opposite and needs more customer service training and being capable of handling a large problem with some grace.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. I have highlighted all the discrepencies. Please remove this inaccurate information as your in violation. According to the 15 U.S.C. 1681 there should not be any errors on my credit report.
Product: Debt collection

Call everyday Harassing my XXXX year old Father he told them not to call back and they keep calling..
Product: Credit card or prepaid card

On XX/XX/2020 I purchased a vacation voucher through XXXX  for reservations at the XXXX XXXX  XXXX  XXXX XXXX All-Inclusive Resort outside XXXX XXXX, XXXX for XXXX. The amount charged was {$3000.00} which was paid in full by my Capital One credit card. I arrived at my resort and spent the week. On Wednesday, XX/XX/2020, I was notified by hotel management that XXXX closed all operations and failed to provide payment for my reservation. The hotel showed me XXXX 's email regarding their lack of payment. While in XXXX, I tried to contact Capital One regarding the dispute and was unable to get compensation for my purchase. On XX/XX/2020, I was forced to repay the amount for my vacation upon hotel check out which resulted in a {$2600.00} balance ( the difference in XXXX 's reservation fees ). Upon returning to the states I successfully filed a dispute with Capital One only for them to deny my dispute charge. I spoke with a Capital One representative on XX/XX/2020 where I was told there was no further direction for this dispute and it was complete and denied. Once again, I made contact with a Capital One representative on XX/XX/2020 to receive the same feedback ( that the dispute case was closed and can not be revisited ). I am at a loss for {$3000.00} + monthly incurring interest charges on a purchase I never received. XXXX remains in the dark with no form of active communication. Their website remains shut down and their phone lines remain silent.
Product: Debt collection

I recently discovered that XXXX XXXXPayliance is  reporting a debt of {$200.00} on my credit reports after applying for a mortgage and was denied. I have never done business with this merchant and do not owe the amount they are claiming I owe. Upon contacting XXXX XXXX the advised me that it was a result of a returned check. When they verified the bank it was check written on an old account I had closed due to misplaced checkbooks. I have tried multiple times via credit bureau disputes and through assistance of credit repair company but XXXX XXXX keeps stating that they have verified this debt belongs to me without providing any identifying information such as my social security number, DOB, or  legal binding contract. I even offered to pay the balance if the agree to delete the negative in accurate reporting and the refused ( even though the debt does not belong to me )