23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I purchased a pair of white jeans from an XXXX XXXX that popped up on my feed. The item was from a US company called XXXX. The price was {$49.00} plus {$6.00} for shipping for a total of {$56.00} on XXXX at around XXXX. When I checked my email three hours later, I see three emails that all arrived at XXXX. 

The first from XXXX confirming the purchase in the amount provided prior. 
The second also from XXXX, but changing the purchase price to {$56.00} and adding {$2.00} for handling and tax. The email included language as follows : In the event that you experience any of the following issues with your order : Your order did not arrive. 
Your item was not as described. 
Theres any billing error Youve not authorized the payment. 
XXXX is exempt from sales tax on clothing under {$110.00}. The language used made me concerned and suspicious of fraud/scam. 
And, the third email was from a XXXX company through PayPal for {$96.00} showing {$49.00} for the garment, {$3.00} for compatible packaging, {$4.00} for shipping protection, {$27.00} for shipping and handling, and {$12.00} for insurance. 

At this point, I emailed the vendor to cancel the order. The vendor refused to cancel the order saying there is no cancellation policy. A policy that would have had to be told to me prior to payment of the item. The vendor also offered a credit of {$39.00}. I requested that the vendor cancel the item. I placed the charge in dispute with PayPal. They requested information, I forwarded the response in email with all communication. They then asked for a receipt for credit. I did not receive a credit, so I showed them the charge that was still pending in my credit card card, but which has been charged now. This morning PayPal denied the dispute saying the transaction was processed correctly, which makes me doubt that PayPal looked at any of my documents. When PayPal do not hold this vendors accountable, customers lose. I have told the vendor who has been emailing me that I am rejecting the item if it arrives.
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. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. 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 each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S. Code 1681b ( a ) ( 2 ) without written consent specifically from the consumer, companies or credit reporting agencies are not allowed to report any information on my credit report. I never gave any company that is reporting accounts on my credit report my permission to report any of these accounts onto my credit report. This leads way to identity theft. Due to this drastic mistake I am asking that these accounts be removed according to 15 U.S. Code 1681c-2. None of these accounts report any transaction that was made by the consumer and must be removed immediately within the 4 day time window. I have sent every company a certified mail letter explaining these discrepancies but nothing has been accomplished. I am a federally protected consumer and should be treated as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Capital Bank is trying to ruin my life by tanking my credit score. My daughter needed XXXX  to fix her XXXX  so I apply for credit. The payments where {$140.00} a month. I am retired on a fix budget Covid reduce my chances of making extra money. I applied for a program that would reduce my payment to {$63.00} dollars. I am current with this plan and have paid all back money owed. My credit score was XXXX now it's XXXX. Nobody will lend me the money for a new home. I am stuck in the desert with temps over 110 %. The way Comenity Capital Bank manipulated my credit usage and late payments has destroyed my chances of a decent life. I feel they unfairly charged me more than necessary based on my ability to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX, TransUnion, and XXXX XXXX with no successful resolution. XXXX XXXX  and TransUnion reporting me 30 days late in XX/XX/2021. There was an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXX  account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I received a check for {$7500.00} that I deposited to my checking account on XXXX ; the check cleared the payor 's bank on XXXX. However, Wells Fargo is saying they are holding my funds until XX/XX/XXXX due to prior overdrafts on my account. It appears that I am being penalized for my prior history -- which has been exacerbated by Covid -- and that my funds are being withheld which has triggered a {$35.00} overdraft fee. On XX/XX/XXXX, I talked to multiple staff at Wells Fargo beginning with XXXX, then to her supervisor XXXX, then to XXXX who is a WF consumer advocate ( although there was no advocacy on her part. All she did was reiterate what the prior staff had said and provide a case number ). 
XXXX provided me with a case number XXXX. I stated that I felt their funds holding policy is exploitative, illegal and unfair -- especially during Covid -- and that holding my funds is creating a financial hardship. XXXX said that WF policy is to delay release of funds when there is a history of overdrafts.
Product: Credit reporting or other personal consumer reports

" Given the legal precedents and the failure of the creditors to provide validation, I am formally requesting : XXXX. A comprehensive reinvestigation of the inaccurate late payment entries. 
XXXX. That your agency hold the responsible creditors accountable for their failure to provide necessary documentation. 
XXXX. That the late payment entries be deleted, and the account status updated to paid as agreed, never late. 
XXXX. An updated copy of my credit report reflecting these corrections. 
Please note, as the credit reporting agency, it is your duty to ensure that the creditors provide valid and accurate information. Failure to address these inaccuracies will result in further actions to protect my credit standing. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to the Equifax breach. I was informed I may have been effected by the breach.
Product: Checking or savings account

Flagstar bank placed an illegal levy on my bank account causing great hardship! XXXX XXXX XXXX sent this institution an illegal writ to garnish. A renewal ex parte motion was filed by XXXX XXXX and denied.I sent proof of this denial order asking that this illegal levy be removed from my account, flagstar refused. To make matters worse, when illegal writ was placed it was 14 days past the 182 day expiration date. I will utilize every legal tool available to hold these institutions accountable!
Product: Mortgage

I was not provided with a Loan Estimate within 3 working days. The documents to start the loan process was provided to XXXX XXXX ( the loan officer ) on XX/XX/2018. The replies were sloppy and he was hard to get a hold of. See the attached email for more detail.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain entries on my credit report that violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. My review has identified unauthorized inquiries and inaccurately or improperly reported collection accounts. I request that these be removed immediately to ensure compliance with federal law. Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have been inaccurately reported and should not negatively reflect on my credit report. The continued reporting of these accounts as collections is misleading and harmful, and it violates my rights under the FCRA. 
Legal Basis for My Request : The FCRA ensures the accuracy, fairness, and privacy of consumer credit information. The unauthorized inquiries and erroneous collection accounts listed above are clear violations of the following points : 15 U.S.C. 1681b ( c ) : Permissible purposes of consumer reports, restricting access only to those with legitimate authorization.

15 U.S.C. 1681s-2 ( b ) : Responsibility of furnishers to correct and update information after receiving a dispute. 
15 U.S.C. 1681e ( b ) : Ensuring maximum possible accuracy of the information contained in consumer reports.

Additionally, the Federal Trade Commission ( FTC ) has issued clear guidance on these matters, as referenced in FTC Report XXXX. Failure to promptly correct these errors may not only violate the FCRA but could also be subject to penalties under the same law.

Request for Resolution : I respectfully request that the unauthorized inquiries and collection accounts outlined in this letter be promptly investigated, and, if found to be inaccurate or unauthorized as I have indicated, removed from my credit report. Please provide written confirmation of the actions taken within 30 days, as required by law.

Thank you for your immediate attention to this matter. Failure to comply with these requests may result in further action to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Santander Consumer USA XXXX XXXX XXXX N Accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiry. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX  Date of inquiry : XX/XX/2022
Product: Debt collection

2 Different agencies are collecting a debt that I have no knowledge of. Both agencies are stating they are medical debt from XXXX XXXX XXXX from date XX/XX/2017. I have no knowledge of this debt. Additionally, this is past XXXX 6 year statute of limitations. I have disputed with both collections agencies and they are both still being reported to the credit bureaus. I have not received any documentation of this debt from either agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please find attached supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in several disputes and FTC Reports to XXXX, TRANSUNION AND XXXX. THEY HAVE NOT BEEN COMPLIANT WITH MY SUBMISSIONS. I HAVE BEEN FIGHTING FOR THE LAST YEAR TO REPAIR WHAT SOMEONE HAS DONE TO ME THROUGH IDENTITY THEFT. THE POLICE HAVE SAID THERE IS NOTHING THEY CAN DO. AND HERE I AM FIGHTING BACK AND FORTH WITH THE CREDIT AGENCIES ABOUT SOMETHING I HAVE NO CONTROL OVER. I NEED THESE ITEMS DELETED FROM MY CREDIT FILE. THESE INQUIRIES NEED TO BE REMOVED FROM MY REPORT IMMEDIATELY UNDER THE FCRA. 

I ALSO HAVE A BANKRUPTCY THAT IS REPORTING AND COULD NOT BE VERIFIED THE COURTS DO NOT VERIFY BANKRUPTCIES DUE TO PRIVACY THIS PUBLIC RECORD NEEDS TO BE REMOVED FROM MY REPORT. 

AT THE TIME THESE ACCOUNTS WERE CREATED I WAS XXXX. I AM NOW TRYING TO REBUILD MY LIFE AND I CAN'T DUE TO IDENTITY THEFT. 

Bankruptcy chapter XXXX-discharged XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX   XXXX  XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Jewelers XXXX XXXX   XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX XXXX XXXX CO XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX I HAVE NEVER LIVED AT XXXX XXXX XXXX. THE ACCOUNTS BELOW NEED TO BE REMOVED FROM MY REPORT UNDER THE FAIR CREDIT REPORTING ACT. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1300.00} {$1300.00} XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$5800.00} {$5800.00} XXXX XXXX XXXX XXXX  XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$740.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
Product: Checking or savings account

My wallet was stolen from a bench at the park on XXXX XXXX while i was playing a basketball game.Wnen the game was over i went for my gym bag and it was missing..my wallet with my drivers license, credut cards, membership ship cards and {$37.00} kn cash were in my gum bag. I canceled and asked for new debit and credit cards from my bank. I also filed a police report with the XXXX XXXX Police XXXX .Theft Report # XXXX. 
The morning ofXXXX my wallet was stolen.That afternoon my bank card was used several times twice at a atm in XXXX XXXX and another in XXXX XXXX California at a XXXX gas station. I've tried many times to get this resolved with my bank. Over {$300.00} were taken from my personal account without my consent. Its XXXX now i fell behind some bills because of this not beinb resklved.
Product: Mortgage

On XX/XX/2018, my wife and I got a mortgage from XXXX XXXX to purchase our first home. At this time we set up auto-pay and have NEVER had a single late payment. We have worked for the last 10 years to earn a credit score over 800. A couple months ago I was shocked to see my personal finance software produce a XXXX estimated credit score on their credit estimator tool. My wife and I never pay late, we set up everything on autopay, and were not aware of any issues that would cause this. 

As I began digging and calling credit agencies I was told that " Truist '' was the source of the negative mark, which made no sense to me as I have never done business with Truist. As I dug through my bank accounts, and called Truist I finally pieced together what happened. My mortgage was somehow purchased by Truist without my knowledge. I was still on auto-pay with XXXX XXXX, and nothing looked off until the refunded payments after I'd paid them months later. As I have finally been able to talk with someone from Truist, they described to me what addresses and phone numbers were called, all of which were incorrect. Documentation was mailed to XXXX XXXX XXXX ( the home the mortgage is for ) but we never received it as it is being sold and has been unoccupied. I now have updated all information with Truist to be current and accurate, but the damage of the negative mark had already been done. I tried doing the phone based " credit dispute '' with Truist but just received a letter that it was declined, which baffled me as no one even got any information about what happened, they just declined it without getting any additional info. 

I spoke with a Truist agent on the phone that said to use Truist 's online form so that I can actually include the details of what happened and said that " this certainly meets the criteria for a credit dispute approval ''. I have now tried to submit this 3 times and each time no one responds. A month later I receive an automated letter in the mail that they are unable to correct their mistake. This is inexcusable. This is now causing us financial hardship as we prepare to use our credit and it is showing much lower than it should.
Product: Credit reporting or other personal consumer reports

Well I got a alert saying I requested credit and did not can you please remove from Navy Federal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the third complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to XXXX, Equifax and XXXX. The complaint numbers were XXXX ( Equifax ), XXXX ( XXXX ) and XXXX ( XXXX ). The second attempt was made on XX/XX/2020 and was also accompanied by direct bureau disputes. Those complaint numbers were XXXX ( XXXX ), XXXX ( XXXX  ) and XXXX ( XXXX  ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my dispute on XX/XX/2020. This is not a delay : this is negligence on the part of XXXX, XXXX and Equifax, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by any of the bureaus to resolve anything. There has also been data that was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, XXXX and Equifax must be held accountable and to the standards clearly outlined in the FCRA.
Product: Money transfer, virtual currency, or money service

USD XXXX XXXX was sent from XXXX XXXX to Bitstamp for XXXX XXXX. 

Since XXXX XX/XX/2023 my USD XXXX XXXX has not been released or allocated to my Bitstamp XXXX XXXX account. 

I have followed up with support since I saw my funds not clearing in my account, but they kept on indicating that it takes 3 - 5 business days to clear. 
( In the past the funds cleared the same day, always ). After 5 business days, I kept on following up and they did not have an answer for this, just kept on saying they were investigating the matter. ( Ticket number : XXXX ) Then my ticket was referred to complaints. 
Eventually, complaints confirmed that it is their normal XXXX policy and they can not divulge any further information. 
This has been the answer for the past 6 weeks now. 

When I follow up now, there is no answer and my money is nowhere to be found. 
The support and Complaints department is keeping quiet and I fear the worst now. 

Please assist me with this.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year> & XXXX XXXX XXXX Date of Inquiry XX/XX/year>
Product: Debt collection

I was a victim of identity theft and noticed a collection from RESIDENTCOLLECT INC I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against RESIDENTCOLLECT INC in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to Equifax Credit Bureau last XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX