23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Purchased an item on XXXX on XXXX XX/XX/2023. It was a piece of art in the form of a XXXX XXXX. Was not at all worthy of the XXXX I paid. Bought through XXXX with my savor one credit card which is capital one. Asked for a refund XXXX explained I had to go through my credit card company not them. Filed a complaint through the credit card company. They removed the charge .a few weeks later then they reapplied saying new information came to them from the seller. They gave me a cut off date to get all my evidence into them by fax. I did get all my info to them beside a tracking number showing I returned the item. I explained I did not have the persons address therefore I could not send back. I asked for her address, they stated they did not have it. I tried 12 times to contact the seller and no response. My evidence included letters of reference from artist stating this item was not worth even XXXX XXXX  and I paid XXXX XXXX  approximately 15 pages of evidence was submitted by fax. I called the credit card company and was told the issues was I didnt send the item back. Finally on XXXX XXXX XXXX I had a 45 minute conversation with customer service representatives from Savior one/ capital one Credit Card , worked my way up to a supervisor of disputes. He told me at first I had not submitted the documentation by the cut off date. I explained my situation of not having the address, but stated I had since found her address by acting as my own detective, and looking it up, he instructed me to go to my email where he was sending me a special link to upload the tracking information. I went an purchase a shipping label, when on my email and submit it the appropriate documentation as I was instructed to do by the supervisor of the credit card dispute department. I shipped the item out on XX/XX/XXXXXXXX XXXX XXXX. She received the item at XXXX  XXXX XXXX. I received a letter on XXXX XX/XX/XXXX through my email stating that I didnt provide enough information on XX/XX/XXXX so my case is close in favor of the woman .I have to pay the XXXX XXXX even though I was instructed by a capital one dispute specialist to return the item so that I could be refunded. Now I have no item and I owe them {$3000.00}, I want to do the right thing. Please help me. I can provide all my documents. At the beginning of each call, I made to capital one they say that we are talking on a recorded line. I asked the representative to tell me how I can get access to the recorded line because the call I made on XX/XX/XXXX was where the dispute specialist instructing me what to do to be refunded. That would be proof worth having, but they wont help me. The hung up the phone. PLEASE HELP ME. The case number this case is XXXX. The card is a capital one savor card.
Product: Credit card

I was signed up with XXXX XXXX from XXXX eye XXXX, XXXX, XXXX  for XXXX lenses. The initial charge was {$XXXX}. I was never told it was a 2 year promotional charge by the clinic. I worked very hard to get this paid for and I had it down to {$XXXX}. I am a XXXX  person living on Social Security! I went to their payment hub every month and made my payments. Nowhere on that site was it shown that it was a promotion and it would be ending soon. In XXXX, I went to make my payment and was shocked to see I had been charged an astronomical interest charge of {$XXXX}. I called them immediately and they put me on a program which they said reduced the interest rate from XXXX or XXXX  % to XXXX  % for XXXX  year. They are doing an auto payment of $ XXXX right now. My balance now is {$XXXX}. 
I just checked XXXX reviews on them- they have hundreds of XXXX star reviews and that is only because people can not put XXXX. They are charging people even after they payoff the balances. 
This company is terrible and I got caught up in their scam on Seniors!!! Shame on them and definitely SHAME ON ANY Medical related company that refers their patients to this company. What can I do to get out of this extreme overcharge?
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit usage and balances went down and Equifax dropped my credit score XXXX XXXX There is also a fraudulent account XXXX XXXX XXXX that remains on report after disputing with identity theft report and police report.
Product: Debt collection

Cit bank has cook the books for one west bank and for XXXX XXXX by using constructive fraud and avoidance tactics with super lawyers from XXXX XXXX and XXXX XXXX To seize my property at XXXX XXXX XXXX in XXXX XXXX XXXX Florida and for XXXX XXXX XXXX deliberately defaulting the equity line And reporting me as late to the credit bureaus while Ive been in foreclosure for 12 years because of one west bank impropriety and XXXX bank fraud that XXXX XXXX and cit bank Exploited to extort me and my XXXX partner with hundreds of thousands of dollars while they funded on in a legal foreclosure by paying their super lawyers in XXXX XXXX to avoid all the liability claiming it wasnt them when they are the ones committing the act of constructive fraud and using lawyers to avoid that after they cook the books so that they make millions of dollars in profit on a marketable asset that is my home and business that they seed and stole from me with fraud and backdated documents with forgeries and perjury so that they could pay XXXX XXXX and XXXX XXXX and XXXX XXXX huge dividends after they steal peoples property that wanted to keep their properties and were foreclosed on by their crooked accountants who misapplied payment last documents and backdated forge documents just to force the losses onto the homeowner when theyre the ones that refuse payment and we were never late because I want against them in XXXX and now theyre retaliating to retaliating against me Because they wash the books just like the mafia does with fake accounting and fake assignments and fake forge signatures Which allows them to money launder and steal peoples houses in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiries are fraudulent, I have never applied for any of them. Please remove these credit inquiries from my credit file : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX XXXX  Full Service Banks XX/XX/XXXX XXXX XXXX  XXXX Auto Loans XX/XX/XXXX XXXX XXXX  XXXX Auto Loans XX/XX/XXXX XXXX XXXX  XXXX Auto Loans XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Jewelers XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Due to ongoing problems with my personal information being compromised or being notified of my personal information and credit information be exposed by several companies, such as on XX/XX/XXXX I was informed via US mail by the Department of Justice that a company they use, XXXX XXXX XXXX XXXX being involved in a data breach, my personal information and my law enforcement history was exposed and compromised. On XX/XX/XXXX I was notified via US mail my XXXX that my personal and financial information was exposed in a database breach on two occasions, once on XX/XX/XXXX and again on XX/XX/XXXX. Ive also have had my personal information and identification exposed and compromised in another database breach with XXXX XXXX  in XXXX and XXXX. With all this going on, with recently two collection agencies appearing on my credit report that are not mine, XXXX, XXXX, and the other Bureaus financial along with other agents of both of these companies trying to collect on an alleged debit and appearing on my credit report under collections is becoming overwhelming. Ive been disputing these tow collection agencies with the XXXX credit reporting agencies who after there investigation, these collection agencies were removed my credit report. ( See attached pics of investigation ). I recently asked for a copy of my experian credit report. I received this full report via electronic email. While going over this report, I now noticed a entity, named XXXX XXXX XXXX XXXX XXXX XXXX XXXX appearing on my experian credit report that was run as a soft inquiry 5 times in one day on XX/XX/XXXX. This entity has no reasonable basis for running a soft inquiry of my credit report, 5 times in one day but seems is using a different identifier in doing so. I did call a phone number associated with XXXX of these entities XXXX and the answering service seems to be some kind of money loaning business. I have never ask for a loan, money loan or any sort of credit for over two years. Ive never did business with this entity or know who they are. Why is this entity even running my information/ requesting such in a soft inquiry from my credit report without my knowledge or permission. Please investigate this as Im already at risk with recent issues and just resolving them, collections being removed from my credit report. XXXX trying to avoid another possible identity crisis. Ive already filed a identity theft report with the FTC this year and have XXXX XXXX  alerts XXXX all three of my credit reports to safeguard my identity. Being retired in law enforcement both state and federal level, my identity and safety are paramount as well as my family, especially in these difficult times
Product: Mortgage

You guys need to step in and get control of these deceptive advertising. I see ads all the time for HELOCs at super low rates that are not even close to being real. I recently saw and advertisement by Lending Tree, where they advertised a HELOC for 6.5 %. There was not approval criteria listed on the ad. I applied, and I am very well qualified with 35 % LTV, very low DTI and XXXX north of XXXX. Well none of that mattered because not a single lender I spoke to has rates anywhere near 6.5 %. all of them are in the 9 % range. You need to eliminate companies like lending tree where they just shotgun your application info to a million lenders. then we have to go through a handful of conversations that take a lot of time, only to find out the rates aren't even close to what is advertised. To me this is deceptive advertising and should be a finable offense.
Product: Credit reporting or other personal consumer reports

I sent a hardship letter stating " I'm going through financial hardship and was a part of XXXX XXXX breach. I see where the item was charge-off from my credit report but I was never sent a XXXX. Could please send me one. The way this account is reporting the account balance, acct number, the date of last payment doesn't look familiar, could you please delete this from my account immediately. According to 15usc1681i ( c-2 ) and 15usc1681 ( b ) '' This is a violation of the fair credit reporting act willful Non-compliance because you're neglecting the fact that I'm requesting something that under the law 15usc1681i ( a ) ( XXXX ) ( b ) ( iii ) that I can request. 

No response from none of the creditors listed on my accounts. 

I have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXXXXXX '' is a statement that someone may use to deny the existence of an alleged debt. This item is charge-off on my credit report but creditor never sent me a XXXX
Product: Credit reporting or other personal consumer reports

this account is not mine, i have never had an XXXX  account also my address are wrong i only live in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- PLEASE HELP MY INFORMATION WAS STOLEN - ACCOUNT - XXXX XXXX  - XXXX - NOT MINE
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, SC XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX XXXX  XXXX XXXX Balannce : {$410.00} XXXX XXXX Balance {$580.00} XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XXXX XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA THAT THE 3 BUREAU required by law to remove any account which is found to be opened due to identity theft.
Product: Mortgage

OnXX/XX/2018 a short sale package was sent to this lender as homeowner 's are unable to afford their mortgage due to financial hardship and separation. XX/XX/2018 an offer was received from an investor and the Offer as well as est HUD & proof of funds were sent. By XX/XX/XXXX the file was advised it was sent to short sale department and 2 BPOs/appraisals were conducted and completed. XX/XX/XXXX The investors/buyers agreed to extend while the file was still being reviewed and sent to a negotiator to counter/accept. ByXX/XX/2018, upon speaking with lender 's loss mitigation department, they advised the short sale was closed out as they did not have a divorce decree!! I explained to them that both parties are on board to short sale and chose this loss mitigation option to ensure they do not experience a foreclosure. I inquired why a divorce decree was needed when both parties should be qualified for a short sale option ; and the lender said they needed the husbands ' signature/a copy of the divorce decree. I continued to express that the homeowners are married to each other ( XXXX XXXX  ) and the short sale file should NOT have been closed out! This put us severely behind in the loss mit process. As ofXX/XX/2018 the file since then has been referred to a foreclosing attorney and Dept of HUD. Lender has started file over from scratch XX/XX/2018 and advised of another 30+ days for review! We are starting over and now homeowners are in serious default with a substantial chance of foreclosing and derogatory payment history. Due to LoanDepot 's negligence and insinuation that they are married to men and needing a divorce decree from both XXXX in order to negotiate this short sale is nothing less than presumptuous, unprofessional and disappointing to say the least. Homeowners as well as myself as their agent, are concerned and truly need this resolved and moved towards the best methods of foreclosure prevention possible as we have tried everything and provided everything as they requested.
Product: Credit reporting or other personal consumer reports

I am uploading this showing my filing for identity theft which occurred in XXXX of 2022. Due to this happening money was taken from my only bank account and I wasnt able to make my payments on my credit accounts. Most of these accounts are now closed and charged off. I need these negative remarks removed to be able to get a loan if something happens to me and my family. I am the sole income of my house with a wife and a XXXX. I need help please
Product: Credit card or prepaid card

US Bank put a hard inquiry to my account without my consent or knowledge. Instead they pretended to offer me a credit increase and 'asked ' me a few simple questions about my household income without informing me that this would put a hard inquiry on my credit report.
Product: Student loan

I was told that after ten months of making payment toward my student loan, I will be eligible again for federal student aid to attend college. 
Well, I reapplied this year and am still getting the same " The National Student Loan Data System ( NSLDS ) indicates that you are in DEFAULT on one or more federal student loans. You are not eligible to receive any federal student aid until you resolve any loan default ( s ). '' Please see attachments. 

Note : I am in the country of XXXX XXXX but I selected XXXX ( the closest country to mine ) because my country is not listed among the countries to choose from. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting each Inquiry showing on my credit report as a separate line item. ( Please see pages attached from my credit report. ) These multiple inquiries are well within the ( 14 45 ) days that is typically allowed to check different lenders and find the best loans. These inquiries are all of like kind and therefore should only be reporting as ( 1 ) individual line item. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these additional line items need to be removed and report only ( 1 ) inquiry for each. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

On XXXX I attempted to purchase my equifax credit report on equifax.com for {$19.00}. I entered my payment information and received a message that my payment could not be processed. I assumed I entered the card info wrong and tried again. I received the same message. When I log into my equifax account I am receiving a technical error message and it states to call equifax and provide the code XXXX. My credit report does not contain any data. I called equifax on XXXX and was asked to use a XXXX browser with no VPN to solve the issue. I was also told that the charges were not being seen on the equifax side. They are pending with my bank, but I need to be sure they will be reversed. After 30 minutes on the phone with equifax I do not have a resolution. According to online forums this is an ongoing issue for many people attempting to use equifax credit reports.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt of {$9300.00} with NCB MANAGEMENT SERVICESXXXX  I do not have a contract with NCB MANAGEMENT SERVICES, they did not provide me with the original contract as I requested with my wet signature and ID verification.
Product: Debt collection

REM financial is not willing to give me any information about my collection. I have called multiple times to try to get the matter resolved and they will not give me any information and suggested I get an attorney, I also was threatened with a law suit over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX should not be reporting to XXXX  ; XXXX  and Transunion that I am ( 30-60 ) days late on the XXXX  XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I made arrangements for deferment under the CARES ACT with XXXX  and they assured me that no lates would report to the bureaus on this account. XXXX did no honor our agreement. I was not aware that these lates were reporting until I obtained a copy of my credit report. This false reporting of lates is seriously harming my credit score. This is a violation of the CARES ACT in addition to being a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I request that these lates be removed. I have contacted the bureaus as well as XXXX to correct this however, I have not been successful.
Product: Debt collection

I got 3 letters from XXXX XXXX XXXX XXXX on XX/XX/XXXX for Charges that were through XXXX XXXX and XXXX XXXX Payments that happened in XXXX. i double checked my records and bank transactions and the listed charges ( XXXX, XXXX, and XXXX ) are non existent. When i contacted them, they claimed the purchases were made on a account from XXXX XXXX XXXX under my name. Contacted XXXX XXXX to be told there is no account under my name at all. While contacting XXXX they asked me for my State ID number which i refused to give them. I want to these scam charges cleared before it affects my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

So, I have asked for method of verification on this XXXX account XXXX and still have not received anything. How can an account that you both are reporting come back as verified and accurate, have two different last active dates? Please help me understand how you verified this account and provide me the payment history. Delete this account as it belongs to my son. it also reports inaccurate after confirming it's been verified as accurate.
Product: Checking or savings account

Im with Navy Federal Credit Union. I get my checks deposited to my account every pay period and my bills are automatically withdrawn. Itll show that my account is positive and show my bills removed from the balance. Then I check my account the next day my account says its overdraft due to insufficient funds when clearly my money is there. They take forever to remove payments larger payments from you account even though it originally shows it already deducted. Causing me to wake up to multiple overdraft fees. They just recently denied one of my bills to be paid out of my account when the money was there and emailed me an insufficient amount email.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX violated my rights. This account is involved in litigation. It has lingered on my credit report for over a year. I have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX I Presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists pursuant to 18 USC 8 I owe no debt This company is violating my consumer right to privacy pursuant to 15 USC 1681-B2 Company has no permission to report my information per 15 USC 1681-4
Product: Debt collection

I had this credit card which I believe was XXXX XXXXXXXX card my purse came up stolen with all my cards and other information my XXXX XXXX card was on of them with the sign in to my account I had written down in my purse I report it stolen with my identity they never lock or block my account so the person had my card had to been using my card repeatedly and some kind of way was paying my bill some type of way in they just kept using it until the run my credit up to XXXX something dollars in my credit limit was even that high so I don't understand how could they let someone charge that much on my stolen credit card XXXX XXXX XXXX they have did a court thing the have add on my credit report that's hurt my credit score they have sent it to a collection agent call PYOD LLC
Product: Credit reporting or other personal consumer reports

Hey my name is XXXX XXXX XXXX I have recently XXXX  unauthorized fraudulent ACCOUNTS and inquiries on MY XXXX credit report THE ACCOUNTS ARE un accurate And By law Under, 15 U.S Code 1681b - Permissible purposes of consumer reports IN GENERAL Subject to subsection any consumer reporting Agency By law is required to furnish this account Without proof of Written consent
Product: Money transfer, virtual currency, or money service

WorldRemit case # XXXX. I sent {$1500.00} to XXXX XXXX XXXX XXXX  XXXX. XX/XX/2019 for their visa and air plane ticket package. XX/XX/XXXX they received payment. XX/XX/XXXX they said operation takes 14 to 21 days. XX/XX/XXXX they requested {$7400.00} to {$15000.00} more. I refused. A week later they asked for {$930.00} more and I refused. They said they would not contact me again until they received the money. 
I complained to WorldRemit and XXXX was assigned case XXXX. I called up the credit card company, XX/XX/XXXX they said they would look into it. XX/XX/XXXX I got an E-mail from world saying they closed my account. 
I think the credit card company called WorldRemit to see what pressure can be applied to get the money refunded. They decided to blow me off, and this is why I am contacting you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX