23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX, I purchased an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$490.00}. With another product on the same bill, my total came to {$520.00}. The other product was satisfactory, but the aforementioned XXXX XXXX was defective upon arrival. 

Immediately after receiving the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I noticed it was non-functional right out of the box. I made diligent efforts to troubleshoot the product as per the owner 's manual but to no avail. 

Given that the product was not operational, I initiated a dispute with PayPal under the reference XXXX. After an extensive wait and multiple communications, the merchant proposed that I could return the defective product, but the cost of return shipping would be my responsibility. Considering the substantial weight and size of the product, the XXXX shipping label would cost nearly as much as the product 's original price. I reached out to the merchant to inquire if they would cover the return shipping, but I did not receive any response. 

Given the lack of resolution through PayPal and the merchant, I approached my credit card issuer, Synchrony Bank, to request a chargeback of {$490.00}, citing the reason as " Defective Product Received. '' Initially, the bank issued a temporary chargeback while they commenced their investigation. However, to my dismay, the chargeback was reversed in the merchant 's favor on XX/XX/XXXX. 

One of the pivotal reasons I opted to purchase this product online was due to the assurances provided by PayPal 's XXXX XXXX and the protective measures that come with credit card transactions. I had an inherent belief that these mechanisms would offer a safety net, ensuring my interests were safeguarded. I find it deeply concerning that despite these multiple layers of supposed protection, I find myself in this prolonged and arduous situation. 

I'd like to emphasize that over my tenure as a cardholder with Synchrony Bank, I've made transactions totaling more than {$10000.00}. Initiating chargebacks is not a habitual or recurrent action on my account. I've always approached my transactions responsibly, and I genuinely anticipated that the protections, especially in rare circumstances like these, would function seamlessly for a loyal and consistent customer like myself. Instead, I've been subjected to an extended waiting period, had to escalate the issue multiple times, and navigate a maze of processes, all for a matter that I believed was straightforward and should have been resolved in my favor from the onset.
Product: Debt collection

I opened a small loan with this company who takes advantage of consumers having a hard time by giving them loans and charging an insane interest rate almost doubling the payback amount ... ... ... But I was struggling to feed my kids and keep my credit good so i opened a loan with the intention of paying it off and having a positive affect on my credit. 

XXXX into XX/XX/XXXX i defaulted on the loan because i was the sole income in my house and my fiance was a XXXX. He suddenty went back to work causing me to need last minute child care. I had to use my bill money to pay for care for my kids which set me back for months. I tried explaining this to them and they were very rude over the phone using profanity and just all around nasty. I still made a few payments after that trying to catch up but i just couldnt get back on track. This company also caused me alot of grief and stress as they would call my job to my BOSS 'S DESK PHONE ... ..ALL.DAY.LONG! Even after he asked them to stop calling they still called and almost caused me to get fired. The called my MOTHER and scared her as well and she doesnt even live in this state asking her for my wherabouts! They even came in person to my house and were yelling at me in front of my kids. 

This is very rude and unprofessional not to mention against collection laws. Fast forward to XX/XX/XXXX I paid them the balance IN FULL and requested as a coutresy for them to delete the reporting from the credit bureaus and they refused. I requested a call back from Manager XXXX who handles the Georgia offices XXXX times only to be ignored and never receive a call back. These people scared myself, my kids and jeopardized my job! These people should be ashamed and should be taken out of business.
Product: Payday loan, title loan, or personal loan

In 2015 my identity information was hacked and stolen from my employer, they notified me that several employes was affected. I discovered this to be true when I filed for my income tax and someone using my stolen identity had all ready filed on my taxes. Now I have to use an identity code to file. So now my SSN is on the dark Webb. Also someone using my stolen identity opened a fraudulent XXXX XXXX XXXX in the amount of {$1200.00} without my knowledge or arthization.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. The accounts i have reported as inaccurate are attached as documents.
Product: Credit reporting or other personal consumer reports

MY PERONAL INFORMATION WAS SOLD AND BOUGHT ILLEGALLY BECAUSE I WAS A VICTIM OF THE XXXX DATA BREACH. I WANT THESE ITEMS DELETED FROM MY CREDIT REPORTS EFFECTIVE IMMEDIATELY. I AM ATTACHING PROOF THAT XXXX HAS ADMITTED THAT I WAS IN FACT A VICTIM OF THIS DATA BREACH AND XXXX HAS DONE NOTHING TO FIX THIS. PLEASE HELP ME DELETE THESE ACCOUNTS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I have been trying to get my PSLF from Student Federal Aid, they seemed to misplaced, lost, or gave my info away. I have been trying to get my PSLF resolved over a year now. I have been told to wait, we are updating the system, or tried getting information but can't get past the XXXX-first caller to speak to a supervisor. Multiple scheduled calls to have a supervisor call back never happens. I have completed over 10 years of public service to grant my PSLF. I get the run around and spend a lot of time on the phone with either my service or FSA. If I can't get help with either, I am contacting this agency, next is seek legal attorney, for help. If the next president does away from the PSLF, then my loans become my problem, which the FSA should have helped me. Who else can help if FSA and CFPB can not?
Product: Credit card

They told me to pay XXXX XXXX dollars a month. My XXXX years of age no longer allowed me to work. I explained to them that my hardship was due to my lack of being able to meet this obligation. Ill health no longer allowed me to be able to properly take care of my obligations. I could barely take care of myself anymore. I made timely payments never missing a payment and could no longer make those payments.i e plained as best as I could explain my situation.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan from this merchant to pay off credit card debt. I paid it off in late XX/XX/year>. Since then, they have debited over {$2500.00} from my account in various installments. When I put a stop payment on, they change the name of their company slightly and run another payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was open fraudulent on XX/XX/XXXX. The original creditor name is XXXX XXXX XXXX. XXXX XXXX XXXX then sold this account to LVNV FUNDING IN XX/XX/XXXX. 

The Address on this Contract is XXXX XXXX XXXX XXXX PA XXXX. 
In XX/XX/XXXX I was not living at the above address. 

At the time of this contract I lived at XXXX XXXX XXXX XXXX, PA XXXX. 

PLEASE NOTE : Attached is a Signed copy of my lease from XX/XX/XXXX - XX/XX/XXXX this is an official document. 

You are violating my right and causing harmed to my credit! 

First, failed to verify the identity once the application was approved. 

CFPB PLEASE HELP ME LVNV FUNDING HAS QUESTIONABLE BUSINESS PRACTICE. 

ATTACHED IS COPIES OF MY LEASE STATED I NEVER LIVED AT THE ADDRESS THAT WAS PROVIDED WHEN THIS CONTRACT STARTED. 

I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been verified then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation. 

I REQUEST THAT THIS ACCOUNT IS REMOVED FROM ALL CREDIT REPORTING AGENCY ASAP!
Product: Credit reporting or other personal consumer reports

I have a XXXX XXXX  account listed on my credit report, which was closed and settled. Despite disputing this account multiple times, it has not been removed. 

Additionally, there is an issue with the Department of Education. I have never taken out any student loans, yet my Social Security number is being used fraudulently to obtain loans and credit cards. Despite my efforts, these unauthorized accounts remain on my credit report. 

I have not been able to obtain My Credit Report from XXXX.
Product: Debt collection

The following company has continued to report the following account to my credit report. The company has failed to provide me with violation of debt. I am bringing this information forth to a judge in my area if this account is not removed from my credit file.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  AND EXPERIAN failed to check with alleged furnishers to validate all alleged debts in dispute that furnishers claim plaintiff owes. XXXX  received Plaintiffs debt validation letter on XX/XX/2019 ( tracking # XXXX ) and Experian too received the letter on XX/XX/2019 ( tracking # XXXX ). Plaintiff disputed alleged debts with the following creditors through EXPERIAN XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX Its The credit Bureaus job to do a reinvestigation of the disputes. 
EXPERIAN and XXXX did not prove in details what steps they took to verify if the debt is in fact the plaintiffs.What system and or method did EXPERIAN and XXXX  use None of these alleged creditors can show an original contract with a wet ink signature on it with plaintiffs name on it. Plaintiff argues that plaintiff can NOT agree to a mere COPY of any signature. EXPERIAN and XXXX  are the ones reporting therfore plaintiff is questioning the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several corrections to my credit report regarding two public records that exist. The three credit bureaus have failed to verify the information with updated information is verified through their own investigation ; however, they appear to be depending upon unsubstantiated or out dated records. 

I am attaching information that asserts that Equifax and XXXX are not using updated and verifiable sources to maintain the posting of their public record file on my case. ( See attached letters ) These companies appear to refer to XXXX XXXX as their source for the most XX/XX/2018 that an Opt Out request was approved on my file ; thereby, no longer providing records to any parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit reports and the two closed XXXX  XXXX  accounts ending in XXXX and XXXX are still reporting in the payment history.The closed XXXX XXXX account ending in XXXX closed on/in XXXX XXXX.The closed XXXX XXXX account ending in XXXX closed on/in XXXX XXXX.Not sure why XXXX XXXX is still reporting on these closed accounts, but it needs to stop.It sounds like XXXX XXXX is still reporting to extend the removal dates.This may have caused current higher interest rates or denial of credit because of the erroneuos information.
Product: Mortgage

On XX/XX/21 SLS reported an increase of {$12000.00} on my mortgage balance to the credit bureaus. My billing statement states my mortgage balance is XXXX and they are reporting the balance as {$130000.00} to the credit bureaus. 

This is now the fifth time they have reported an increase in my mortgage balance while I have been on a forbearance plan with them. 

On XX/XX/21 I left a message on SLS ' website message board and called XXXX and left a message requesting they confirm the mortgage balance they report to the credit bureaus to avoid me having to file disputes with the credit bureaus and filing another complaint with CFPB. They apparently ignored this request. 

Everytime I file disputes and a complaint, SLS corrects the balance they are reporting to the credit bureaus back to the balance on my billing statement, then state they are providing accurate information. How is it legal for a mortgage servicer to report a different balance to the consumer than the balance they report to the credit bureaus? If the balance increase they report is legal, why do they correct the balance back to the balance reported to me on my billing statements every time I file disputes and a complaint?
Product: Credit reporting

I am formally requesting that this item " Satisfied Judgement Case Number XXXX '' be investigated and removed from my credit report. 

Accordingly, I can show a judge that these items meet the requirements for removal. 

Please note I am a XXXX Veteran XXXX
Product: Checking or savings account

On XX/XX/25 I received several emails in succession about a checking account opened with Wells Fargo Bank. I didnt open an account with Wells Fargo nor have any current accounts with them. I called to ask them about this account being opened in my name and they closed/suspended the account. Im curious as to what information was needed besides my personal email and information to open said account? Ive usually had to produce some sort of identification when opening a bank account anywhere Ive banked. Photo ID usually. So im confused and concerned how this account was opened.

I bought furniture with my wife a few weeks ago and applied for credit and we both had to show photo IDs for that. So why not a bank account?

Wells Fargo seemed to want to do their best to resolve the matter but Im concerned about how easy it apparently easy it was for someone to open an account with them.
Product: Checking or savings account

My account opening was denied because of unfavorable debit history. Ally used check system, where they said i have a score of XXXX. However, when i obtained the score from check system, it was XXXX. There is no negative information on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Viewed credit file with Experian in reference to XXXX XXXX account showing charged off. It showed a charged off amount of {$5800.00}.
Product: Checking or savings account

On XX/XX/XXXX I paid the traffic ticket company, XXXX XXXX, {$170.00} to get my traffic citation dismissed. They advertise on their website that they rarely lose these cases and if they do lose and you are found guilty, they will refund the service fee. On XX/XX/XXXX XXXX XXXX  completed the document they advised me to submit to the court for my citation to be dismissed and I submitted them along with additional fees for the citation. On XX/XX/XXXX I received a guilty verdict from the XXXX XXXX XXXX house and on that same day I provided this info to XXXX XXXX  who promised a refund if you are found guilty. XXXX XXXX then requested proof of my guilty verdict even though the entire time they can log in to the court house portal and digitally see the verdict because the entire time thats where they were seeing my info from the court. I provided XXXX XXXX  a photo of my guilty verdict the same day I received it. On XX/XX/XXXX I asked for an update on my refund and XXXX XXXX responded to this question on XX/XX/XXXX stating I should get a refund in 10-14 days. I NEVER RECEIVED ANY FURTHER COMMUNICATION NOT REFUND FROM XXXX XXXX  THIS IS A SCAM COMPANY. On XX/XX/XXXX I filed a dispute with my bank for the service fee refund and provided them with all documentation from every step of this situation including the emails of XXXX XXXX  saying I should get a refund in 10-14 days. On XX/XX/XXXX Capital One denied my dispute in favor of XXXX XXXX even though I provided proof I was supposed to get a refund including the promise to refund advertised on their website. NO ONE IS HOLDING THIS FRAUD COMPANY ACCOUNTABLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

my public record shows that esperian verified my account with XXXX. but thats not true cause I got report from XXXX saying that the bankruptcy was deleted so there is no way they could have verified
Product: Debt collection

This showed up on my credit report while I was applying for a home loan. this is negatively affecting my credit. I have no clue what this is or where it came from. I have not received ANY NOTIFICATION of owing this debt. No phone calls were attempted, no written communication was sent, and this company just willy-nilly added this to my credit report with out obtaining the proper information.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate account listed on my credit report. The account in question is listed under the name XXXX XXXXXXXX XXXX XXXXXXXX, account number XXXX, and pertains to a debt originally owed to XXXX XXXX. 

The details of the disputed account are as follows : - Account Type : Debt Buyer - Date Opened : XX/XX/XXXX - Delinquency Date : XX/XX/XXXX - Balance : {$3700.00} - Status : Collection account as of XX/XX/XXXX I have reason to believe that this account has been reported inaccurately, violating the Fair Credit Reporting Act ( FCRA ). Specifically : 1. Inaccurate Reporting of the Account Date : The account was first delinquent on XX/XX/XXXX, yet it is reported as opened on XX/XX/XXXX. This misrepresentation of the account 's timeline is inaccurate and misleading, as the delinquency predates the reported opening date by several years. As such, this raises concerns about the validity of the reporting practices used by the debt collection agency. 

2. Unfair Collection Practices : The debt collection agency has engaged in unrealistic debt tactics by continuing to report inaccurate information and refusing to correct or delete the entry despite my previous disputes. 

Given the inaccuracies surrounding this account, I request that you immediately remove this erroneous entry from my credit report. 

Enclosed, please find the following documents to support my claim : 1. A copy of my credit report highlighting the disputed account.

2. Documentation of prior communications regarding the dispute. 

Please confirm in writing once this dispute has been resolved and provide me with an updated copy of my credit report. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue involves Equifax Credit Reporting Agency and an error they said they verified as accurate which it is not. 

I co-signed a student Parent Plus loan for my son for his first year of college in XXXX at XXXX University in XXXX, Kentucky. The very next school year our son transferred to the University XXXX XXXX in XXXX, XXXX  and my wife, XXXX XXXX XXXX signed for a new Parent Plus Student Loan for his University XXXX XXXX education cost and consolidated the XXXX Parent Plus Loan into one loan. My name was no longer on a student loan from that point on. 
Years later, someone somewhere decided that I still owed this total debt irregardless of the fact that it was completely transferred out of my name in XXXX which I have documents to back up. We sent these and other court related discharged records in to Equifax but they still report the amount as being owed with accrued interest of course which is now double the original amount. My wife had this completely in her name and years later, she was diagnosed with XXXX XXXX and is on SSDI. All student loans, including all Parent Plus Loans were completely discharged in our Chapter XXXX Bankruptcy case that was filed in XXXX and completed in XXXX. A year or so later, the loan previously mentioned re-appeared on my Equifax Credit Report to which we submitted court orders and proof of when it was consolidated into my wife 's name only. We have an attorney, XXXX XXXX, which we can and will hire to fight this if necessary but will cost us more money to fight something that Equifax is doing to me and my credit standing. In addition to having court orders of discharge for all the student loans, I also have documents backing up this claim from the National Student Loan Data Systems ( NSLDS ) showing I have no outstanding student loans in my name so it makes one wonder how is it possible that Equifax found that I owe student loans and where is there proof which they did not provide very accurately at all. I am asking for assistance in this matter as my wife and I have certainly suffered from their unfair reporting practices and we, especially my wife, have suffered enough and seek assistance from you to fix this terrible and costly error caused by Equifax. Additionaly, I have a letter from the XXXX XXXX XXXX XXXX XXXX XXXX stating I do not owe and they sent a letter of correction to all CRA 's to remove from my history and only Equifax has not done. It has taken me two years trying to get this removed as illness and deaths have occurred in my family leaving me little time to deal with their inaccurate reporting on my credit.
Product: Debt collection

I do not reconize this debt as mine, this company has fail to validate this debt, therefor I'm requesting for it to be deleted from my credit file.