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

I purchased some XXXX XXXX XXXX  from XXXX XXXX ID : XXXX in XXXX the item came with a missing part and the product would fall out of my ear. I returned the item back to XXXX on XX/XX/20 as instructed with their return label and XXXX tracking # XXXX. XXXX received the package on XX/XX/20 and never issued a refund. After numerous attempts in contacting XXXX I was getting the run around and never received a refund. I started a dispute with my credit card company Discover in XXXX. In mid XXXX I was informed by discover  the tracking receipt I provided was not sufficient prior to that I was not notified that they needed additional information. I then reached out to Discover dispute customer service department were I was asked to provide a XXXX confirmation document, I did that, then I was asked that I needed to get XXXX on the phone line, I did that., at that time someone from XXXX XXXX on a recorded line from Discover and spoke with the agent and confirmed that XXXX XXXX the package and they did not understand why a credit was not issued. Discover credit card agent stated he had enough information to re open the case and if I have not received a credit in 3 days that Discover will issue a final credit and close the case. It has been several weeks the credit was not issued from XXXX and Discover is now asking for me to upload the document stating that XXXX would issue a credit, I uploaded the email to get Discover agent to say it was not enough. I am out {$240.00} no money no merchandise and a credit card company that is proving terrible customer service. I have had to do all the work for Discover so I can continue to get the run around from both companies. This is terrible customer service from Discover and a failure to protect the consumer from XXXX and their inability to refund clients. Discover has continuously provided misleading expectations and purposely has failed to protect my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Bureaus stated they investigated my report correctly and accurately which is inaccurate because for all of these accounts listed below i never gave any of them written instruction to furnish anything on my report also i have the right to privacy this grounds for removal. 

15 U.S.C 1681 Section 604 2 : the law clearly states a consumer reporting agency can not furnish a account without, y written instructions. 
I havent given these accounts permission to furnish these accounts on my report. 
15 U.S.C 1681e ( 5 ) information disputed by a consumer, if this information is investigated and still inaccurate it shall be removed by consumer reporting agency 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. 
ALSO THE REPORTING AGENCIES/ DEBT COLLECTORS/BUREAUS OBTAINED PERSONAL INFORMATION ILLEGALLY BECAUSE I NEVER DID IT THIS IS ALSO A DIRECT VIOLATION OF MY CONSUMER RIGHTS. 

THE ACCOUNTS AND OR NAMES BELOW SHALL BE REMOVED FOR DIRECT VIOLATION OF MY RIGHTS AS A CONSUMER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, EXPERIAN XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, US SM BUS ADMIN ODA, XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found an alleged bankruptcy for which I do not recognize.
Product: Money transfer, virtual currency, or money service

PayPal platform does not inform you that they have placed a hold on your account clearly and misleadingly allows you to send an invoice to your client and receive payment in their system, then not allowing access to the funds. Further the system misleadingly shows funds are " available '' and when you try to transfer to your bank, it only says " Sorry, somethings not right. Please try again later. " At no place it says that if you would send an invoice the funds would be not available until you resolve their issue. Nor it says that funds are limited. You have to search deep down the portal to find a small notification that there is a request to update information, which is not even clear how to do for a normal person. PayPal mislead us that we can invoice our customers and doesn't disclose clearly that funds might be limited. Then when submitting the answers they take 5 business days to answer, and if you didn't get it right to their liking - there is no-one to ask for advise as customer service says they have no access to the case or to any information and its handled by " an internal department ''. Each round of communication takes 5 business days and all this time you have funds frozen - that is damaging your small business. You can not pay suppliers, purchase inventory or even refund the funds to your customer! Very damaging to small starting entrepreneurs or businesses. When trying to tell the only customer support that is reachable on their 1-800 line, they say the company is too big to change anything in their procedures, nor will they care as they have XXXX customers and one customers problem is not going to make a difference. Well here I am a small business customer whose business is being damaged by misleadingly allowing to invoice my customers and having funds held for weeks, without a clear solution and this all only due to a small fix in verbiage of their own service description that would not need to be taken to the level of freezing our income source for over a month should the company have user friendly attitude and care for their customers. We feel robbed and held hostage and loosing our reputation towards our customers as the orders can not be fulfilled on time due to PayPal holding our funds and have no clue how long it will take them to release our funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX. I disputed XXXX Account. XXXX is reporting inaccurate, and incomplete information. The account was opened on XX/XX/XXXX. XXXX didn't report my payment history until XX/XX/XXXX. I have received no response from XXXX regarding this incomplete and inaccurate information it's been over 30 days, which is a violation of my rights. 

On XXXX I disputed the XXXX account with Equifax for reporting incomplete, and inaccurate information regarding this account. The account was opened on XX/XX/XXXX, and Equifax didn't report my payment history until XXXX have received no response from Equifax regarding this incomplete and inaccurate information it's been over 30 days, which is a violation of my rights. 

On XXXX I disputed the XXXX account with XXXX for reporting incomplete, and inaccurate information on my credit report. The account was opened on XX/XX/XXXX, and XXXX has my payment history starting XX/XX/XXXX. I have received no response from XXXX regarding this incomplete and inaccurate information it's been over 30 days, which is a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got my credit ran today XX/XX/19 at the XXXX dealership because I am trying to but a new car but when they looked at my credit report they told me that I did not qualify to get a car loan due to having accounts in negative standing on my credit history. I looked over the accounts and right away I noticed that these accounts were not mine. I did not open any of these accounts and I have never allowed anyone to open an account on my behalf. I don't know why these accounts are on my credit or who opened them in my name but I have already filed a police report. I never got anything out of these accounts such as money, services or any other benefit nor did I participate in any purchases, payments or transactions in regards to any of those accounts
Product: Credit reporting or other personal consumer reports

This company inquired about my credit report on XX/XX/year> and again on XX/XX/year> I did not give approval for them to do so nor do I have any knowledge of having an account with this company.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Student loan

I was ill for a couple years and had to leave school and was unable to work. I have been getting my loans deferred and I was told I had submitted all the proper paperwork and they were deferred and not to worry. Now they are all of a sudden on my credit and I ca n't get a loan for a car so I can work, I ca n't purchase a home. These people lying to me wrecked my life.They took thousands from my refund this year and nobody told me anything. If I knew that they were gon na  XXXX  me, I would have tried to figure something else out, but I was told they were DEFERRED AND I WAS OK?!?!?!?!?
Product: Credit card or prepaid card

capital one bank pulled a fraud inquiry on my XXXX report on XX/XX/2018 that was not authorized by me due to a fraud online credit card application and needs to be removed from my report asap my SSN XXXX DOB XXXX
Product: Mortgage

Currently I am on a Forbearance with my Mortgage servicer Mr. Cooper, and when I called them two months ago I was told that I can extend my Forbearance till XX/XX/XXXX, suddenly I started getting messages that my Forbearance will end by this month ( XX/XX/XXXX ) and I need to start paying by XX/XX/XXXX. 

Now I am still facing hardship due to Covid-19 so my Mortgage servicer should extend it till XX/XX/XXXX. 

When I called them Mr. Cooper employee said that they are working on my monthly Payment modification and when I asked how much that monthly payment will be, they said it takes 30 days to work on a payment modification, I asked why it takes 30 days, they said that they are understaffed that is why. 

When Mr. Cooper makes so much money how come they are understaffed? Doesn't make any sense. And why it will take them 30 days for a payment modification, it should take a maximum of 2 days for a payment modification.
Product: Student loan

Chase has refused to grant any forbearance for disaster victims in Florida. I am single parent and XXXX with a {$5600.00} deductible. My home suffered severe roof, garage and water damage during XXXX on XX/XX/2016. FEMA has not provided any assistance to me, other than to offer a loan I ca n't repay or qualify for. XXXX, services my loans and stated Chase was not willing to assist with a 6 month disaster forebearance. I dont ' understand how you are n't concerned with those in dire need but only with making money.
Product: Credit card

Applied for a card. Never received, never used it. Now being charged yearly fee {$99.00}. Was told in phone that fee canceled and card closed. 
Yet, more calls, more hassle. Weve talked to XXXX people. Will not cancel the fee. 
Though we were initially promised they would. I continue to just be passed around to people spending hours trying to get this settled.
Product: Credit reporting

I received an updated credit report with corrections # XXXX also I received a full revised credit report # XXXX, however after carefully reviewing Equifax overlooked XXXX more inquires that need to be deleted due to them being unauthorized. 
1. XXXX XXXX XXXX Bank dated XXXX/XXXX/20142. XXXX XXXX dated XXXX/XXXX/2014
Product: Credit reporting or other personal consumer reports

XXXX XXXX and TransUnion have accounts on my credit profile that is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dept of education XXXX XXXX XXXX These are not my accounts
Product: Credit reporting or other personal consumer reports

This company is committing FRAUD. When I went on a trip in XX/XX/XXXX - XX/XX/XXXX, I called XXXX  to set up international calls when I arrived. The XXXX  from the XXXX that I spoke to assured me that they had set it up. I requested Global Travel Pass ( GTP ). The XXXX  said this was not an option and that I had to do the roaming. She said my only option was roaming and not the GTP. So I accepted what she told me as the truth. She assured me that she had set it up. So I was charged {$140.00} for one day, instead of {$10.00} a day for the GTP. I called the following morning and spoke to a XXXX  from XXXX who told me to just leave the roaming the entire 1 week trip and call when I get back to change to the GTP and that XXXX  would just remove the daily charges and only charge me {$10.00}. Both of these calls were on a recorded line. I told the XXXX  that I would not do that. He said it would not be possible to change to GTP because I was already in the country. I made him set up GTP and he was able to immediately set it up. So now another XXXX  representative has LIED to me on a recorded line. XXXX listened to the first call and claimed that I was given accurate information and that it was my fault so they would not remove the charges. It is clear that XXXX  is LYING and committing FRAUD with these charges. 

I will not pay this collection. This collection is FRAUD and I have a lot going on so I'm not spending my money on a FRAUDULENT charge. XXXX violated my rights. 

In accordance with the Fair Credit Reporting Act. XXXX ( Account XXXX ) has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 15 U.S.C. 1681 section 602A states I have the right to privacy. 15 U.S.C. 1681 section 604A states a consumer reporting agency can not furnish an 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. 1681 S-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: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX  XXXX  # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C.1681 SECTION 602 A.STATES I HAVE THE RIGH OF PRIVACY. 

15 U.S.C 11681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CONNOT FURNISH AN ACCOUNT WITHOUT MY WRITING INSTRUCTIONS
Product: Debt collection

I have received notification from Credence Resource Management LLC that I have 2 outstanding balances from XXXX XXXX XXXX. The first account, according to XXXX XXXX XXXX is for services at my former address of XXXX XXXX XXXX in 2015. I was no longer at that location in 2015. The second account, was supposedly for " new '' XXXX service initiated by me transferring service after the expiration of my contact. I have contacted XXXX XXXX XXXX asking for wording/documentation that this information is provided by them to the customer. To date I have not been provided with that information.I wrote a letter the XXXX XXXX XXXX The Office of the President, received one call from ( XXXX XXXX XXXX XXXX XXXX, prompt 1, prompt 1 then ext XXXX ) asking that supporting data for both outstanding accounts be provided and have not heard from her since. I have left her voice messages but no response. 
I do not owe XXXX XXXX XXXX for account number XXXX XXXX service 2015. I am requesting proof that I was advised that " new '' contract begins automatically after the old one expires.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was hoping to be able to see a week go by without needing to open a complaint against EQUIFAX, who for some reason has been persistent in screwing up either my or my wife 's credit report, or both. This time it's about a score decrease that at the same time that a new credit card was reported to the three credit bureaus, the score increased as it should on my XXXX credit report 51 points and on my XXXX  31 points. 

Now the change to my Equifax reporting was just the opposite that resulted in a 31 point DECREASE in point score that puts my Equifax score back down to their number XXXX which is what they have in the past locked my credit score at ( meaning regardless of payments made the score does not change ). It is always an ongoing battle to get Equifax to correct the intentional " errors '' that constantly make sure are in our reporting ( look at the plethora of complaints ) files this year only. No need to mention that they have been on a mission to keep our credit scores below a certain threshold to name just one of the ongoing problems we've been consistently fighting to get resolved. 

They will respond to this complaint as they do with the various others saying they will investigate, get back later, need more time. But has NEVER address any of the complaints to correct the wrongful damage they continue to render to our credit reports. 

See attached screenshots ... 

Both my wife and my credit accounts have no negative accounts or payment history for nearly two years, yet they are determined to make us look bad. They have even deleted a paid and closed accounts from my Equifax reporting that they provider confirmed on yesterday in a letter to me that they have asked Equifax to put back. We told that my wife and I are apparently targeted ...
Product: Money transfer, virtual currency, or money service

I purchased item on XXXX that has been scam. XXXX approved refund under number SR # XXXX. On XX/XX/XXXX XXXX. It is XXXX. 

Allegedly, they the paid money on XX/XX/XXXX but no refund has been ever received. I exchanged numerous emails with XXXX and paypal. XXXX gave paypal responsibility to return money although payment has been executed but debit card and paypal has not been involved originally. It looks like they have designed process so you exchange endless loop of emails but actually never have intention to pay. They constantly change what you should od and there is always some additional step to do. After some time they start to repeat.
Product: Credit reporting or other personal consumer reports

I was enrolled in XXXX and made payments to settle debt. We made offers that were accepted by XXXX and paid the balances owed. XXXX continues to report the balances as owed even though they have been paid. They also had a locally company file suit on me for collections and that was dismissed after receipts were provided to the court. This is affecting my ability to conduct business and the three bureaus refuse to have this company prove the debt or remove it.
Product: Money transfer, virtual currency, or money service

Recently I was in touch with a potential buyer of a couch I was selling through XXXX XXXX. The scammer messaged me on my XXXX XXXX saying they wanted to buy the couch but said they needed my information first. After multiple conversations about the transaction, I received emails from XXXX, which ended up being a fake email account, that said I needed to send the buyer money so I could be reimbursed the money sent plus the money for the couch ( {$500.00} ). After sending the buyer {$1500.00} total, the account I was messaging was deleted and I did not receive any money back in return for the couch or from what I had sent them after many emails from XXXX saying that I would. I have been in touch with Wells Fargo about this but they have declined to give back any of the money after the investigation was completed. Wells Fargo did not ask for any information about the fake account or emails they just got my verbal explanation and claimed it was a consensual agreement to send the money which it was not.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my reports which are causing financial harm to me and my family. I have sent disputes to each of the three Credit Bureaus in an attempt to update the following items. 

XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act.the list of accounts below has violated my federally protected consumer rights to privacy and confidential under 15 usc 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 u.s.c 1681 section 602 a .state i have the right to privacy 15 u.s.c 1681 section 604 a section 2 ; it also a state consumer reporting agency can not furnish a account without my written instruction 15 u.s.c 1681c. ( a ) ( 5 ) section state : 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 crime 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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: Debt collection

XXXX XXXX is listing a debt that i do not owe. I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.