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

In XXXX I made a purchase on XXXX. After hearing nothing regarding that order, in XXXX I contacted them asking for a refund and to cancel that order. They offered a gift card instead. I wanted to give them a second chance so I took the gift card. After months of zero communication regarding the order I contacted them again. Several times. When they finally responded a month later they stated they would offer me a refund via gift card. This was not satisfactory for me. I stated after months of zero communication and zero orders fulfilled I would not be shipping again and wanted a refund via my original payment method. The company stopped responding. I now filed a dispute with my bank, Chime. Chime denied my dispute and after asking for a reason why, they never responded. I filed a complaint with the XXXX. XXXX  emailed me saying after weeks of trying to contact XXXX they could not get a response. I just want my money back for an order I never received. I will never be shipping with this company again. They stole my money and I never got any goods or service from them. Chime denied me without giving me a reason. I have tried and tried to get in contact with someone and can not. I am beyond frustrated. For clarification purposes my order number was XXXX XXXX for {$200.00}.
Product: Debt collection

AFFIRM ACCT : XXXX Amount : {$290.00} This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MO. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX 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: Mortgage

Year XXXX we applied for a home modification. We completed all the necessary paper work but was denied. We had to sell the house in order to avoid foreclosure. We sold th house avoid this situation. We ended up renting a house for XXXX years. I received a letter from Wells Fargo ( XX/XX/year> ) stating we were actually approved for the loan, but the loan officer told us we wasn't approved at the time. So we took action to sale our home in order to avoid foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Found issues on my reports So I sent the bureaus disputes after reading about the laws W all identity & proof FCRA ACT etc. 30 days to comply n so forth as my right Sent all 3 bureaus 2 letters each 30 days apart ( no timely response/reply ) 1st XX/XX/XXXX XXXX  XX/XX/XXXX Eqfx XX/XX/XXXX XXXX 2nd XXXX XX/XX/XXXX Eqfx XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX 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 XXXXXXXX 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 Experian, XXXX, XXXX, and XXXX XXXX XXXX  with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never 30 days late twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward to the immediate update or correction of the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 have violated my Consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX 1681 Section 602 A States I have the right to privacy. 15 U.S.C. 1681 Section 604 A ( Section 2 ) States A consumer reporting agency can not furnish an account without written permission. 15 U.S.C. 1681c. ( a ) ( 5 ) States that as a consumer reporting agency you can not furnish a consumer report containing any adverse information other than records of conviction of crimes in 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 the information is inaccurate.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we are required to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates being reported.
Product: Credit reporting or other personal consumer reports

Lexington Law was supposed to assist and help fix my credit! They just kept changing me money and didnt render any service! I paid them {$4100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the rights to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Prepaid card

I have a paypal account, which includes credit card, a Line of credit, and the clearing acct to move money. I only use the credit products and never the " checking '' or whatever clearing account that is paypal. Their transaction history is too difficult to understand online as everything is commingled together. 

Paypal closed my line of credit which I don't fully understand why, the account didn't carry a balance the last couple of months. I'm not overly concerned with this. 

Now Paypal is calling me in a harassing manner - such that a recorded message ask me to confirm identity by pressing 1, however, the message does not respond and continues to ask me to press 1 to confirm identity. Originally I suspected it was fraud. I then log into paypal and noticed a negative balance, for which I'm not aware, and trying to decipher what the monies owned is for is impossible given the commingling of transactions. The only service that should be used ( infrequently ) is my PayPal credit card - mastercard. So why is PayPal trying to collect money from me? what reason? My credit card is paid in full each month. I attempted to call paypal however their same tactics are at play- they refuse to allow me to speak with anyone to understand what the charge is for. 

I'm not unwilling to pay this money if I can understand why there is a charge for an account that is never used. While we are at it, I want to know why Paypal closed my LOC. I didn't care at first but now I'm suspect ill intention on part of Paypal. Like other XXXX their stock is dropped and I'm willing to suggest they are implementing dark patterns to collect fees from customers in an abusive or unfair manner.
Product: Credit reporting or other personal consumer reports

To Whom it May Concern, I am XXXX XXXX, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. subsection 1681-2 ( a ) and ( c ) and 15 U.S.C. sub section 1681-B, to demand the immediate removal of the accounts listed on my credit report. These accounts were added without my express written consent, a violation of my rights as a federally protected consumer. Federal law Prohibits reporting any credit information without direct authorization, and the lack of my consent renders these listing, both unauthorized and potentially indicative of identity theft. I am therefore demanding the prompt deletion and permanent removal of all the referenced accounts. ADDITIONIAL ACCOUNTS FOR REMOVALXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the validity of a tradeline appearing on my XXXX credit report. As required under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), XXXX is obligated to ensure the maximum possible accuracy of information on consumer reports and to conduct a timely investigation of disputed items. However, the tradeline referenced below has not been validated within the required timeline, and I am requesting its immediate removal :
Product: Credit reporting

I have tried several times to get Transunion to remove the public record stating that I had XXXX delinquent state tax liens ( for which I do not have ), with no success. I was told that " the state has verified the information. '' However, when I contacted the XXXX of XXXX Department of Revenue, they stated that they do n't verify such information with the credit bureaus. To compound the issue, the liens that are be reported have a report date of XX/XX/XXXX, XX/XX/XXXX respectively. On my Transunion credit report it states that " liens may remain for XXXX years '', but further on my report it states that these XXXX particular liens " will not be removed until XX/XX/XXXX. '' I was directed by the XXXX Department XXXX XXXX to refer the credit bureau to the state website to verify the liens but the bureaus either refused to do so or stated that the information had been verified. Communicating with Transunion is difficult at best, but trying to get all parties involved on the same page is impossible. This seems like a simple fix but the credit bureau has made it complicated. As one can imagine this has caused considerable issues for me financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was unemployed from XX/XX/XXXX to XX/XX/2018. In XX/XX/XXXX I asked for an extension to help me out during this time. I was told I would qualify and per the agent 's explanation wouldnt need to do anything else. With this issue I thought behind me I focused on moving for my new job. When we applied for a rental house we discovered my credit had been marked. This was the agent 's fault. The XXXX   complaint was responded that they tried to reach me, but again we had moved and I had updated this with the agents. I want the 30 day delinquent mark removed.
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 confidentiality under 15 USC 1681. 
I told the Experian, XXXX, and to reinvestigate these account : Account name : XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and the status date still stating 2019 which means there was not a investigation done they have fail to do proper investigation and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Mortgage

In XX/XX/2018 The Company executed the foreclosure on the DEED AND TRUST of my late father 's home. 
I have reason to believe that the company did not have possession of the NOTE to enforce the foreclosure on the DEED AND TRUST. 


The home was foreclosed on and I am still searching for the NOTE.
Product: Credit reporting or other personal consumer reports

Chargeoff Balance Error : This account is incorrectly being reported as a charge of account with a balanced due. Please provide proof of the charge of and update the balance to {$0.00} or delete the negative payment status on said accountaccounts. fcra 605b said consumer alleges identity theft, The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The law requires companies to delete disputed unverified information from consumer reports as the consumer acknowledges here and today that XXXX XXXX XXXX XXXX is a UNVERIFIED ENTITY in which the debt of {$920.00} is XXXX XXXX XXXX OBLIGATION to Settle not the consumer. For the harm caused by XXXX XXXX XXXX and XXXX for false representation with the intent to Defraud and Deceive the consumer, compensation is demanded by said consumer in which XXXX XXXX XXXX and or XXXX shall Pay to the order of the said consumer, {$5000.00} contact consumer for further instruction on where to send payment. 

Also Consumer tried calling XXXX XXXX XXXX at there contact number XXXX ( XXXX ) XXXX given from CFPB complaint, but it's no way of speaking with a Live Agent as the contact number given by XXXX XXXX XXXX is an AUTOMATION SYSTEM which can't nor provide help in speaking with a Live Representative to settle the issue at hand, which is another violation to Defraud and Deceive the consumer. 

ALSO REMOVE ALL INQUIRIES XXXX INQUIRIES TO BE EXACT WHICH HAS BEEN DELETED ALREADY BUT NOT REMOVED FROM THE CONSUMER 'S CREDIT ACCOUNT IMMEDIATELY.
Product: Debt collection

midland funding acct XXXX they continue to contact me via mail even though account is currently being handled by XXXX XXXX XXXX Acct. XXXX. 
Midland Funding sent a multiple page document to fill out get notarized and send back to them called Aid of Execution attaced was court document over 7 years old.I have been working with XXXX XXXX XXXX and in current incapacity to repay they issued a financial hardship status letter. This debt was less than {$700.00} and is over 8 years old. 

I just dont get how they can continue to send letter after letter when they themselves turned it over to XXXX XXXX XXXX
Product: Credit card or prepaid card

On the morning of XX/XX/XXXX I received a text notification from Bank of America asking me to verify three separate transactions for {$50.00} from XXXX network. After replying with a no I called and open a dispute with the fraud department as they still allowed the three {$50.00} charges to go through, even though I replied no as soon as the texts came in. After about a month on XX/XX/XXXX I get a letter from Bank of America saying they are denying my claim because XXXX says they delivered goods to me. I never received any goods and disputed this again which they said could take up to 45 days. Today on XX/XX/XXXX I get a letter in the mail saying they confirmed the information they had with XXXX and denied my claim again. I dont understand how they allow these charges to go through that triggered a text and I replied saying no dont let them go through immediately. I should not be liable for this as I was not grossly negligent in any way and I am not associated to these charges as XXXX states the charges were made overseas.
Product: Debt collection

On XX/XX/2020 I wrote an affidavit to the company D & A Services , LLC regarding a credit collection in the amount of {$630.00}. In the affidavit I listed the violations that the company had committed in the amount of {$2000.00} also I included a invoice for the company to pay.
Product: Vehicle loan or lease

My car was seized in XX/XX/XXXX. I went to 2 court dates and on XX/XX/XXXX the judge gave the car back to Ally. They put in the paperwork to have the car returned to them. I was told in court that Ally would contact me within 30 days to let me know if they were going to return the car to me. I called Ally and customer service said that I would get a letter on instructions of getting my car back. That did not happen. I paid the car up to that point. The XX/XX/XXXX payment was never cashed. I did not hear from them until XX/XX/XXXX stating that my car had been repossessed and was going to be sold. I answered back that I wanted my car back but received a letter from XXXX XXXX that I owed {$10000.00} before they even contacted me. How does a car that they had in their possession for 3 months get repossessed?
Product: Debt collection

Hello, In late XXXX of 2018 I was looking at the possibility of moving into an apartment in Florida and filled out an application with the apartment company that included an application with XXXX XXXX XXXX. Then I decided NOT to move and did not finalize my application with the apartment company or XXXX XXXX XXXX. I never agreed, was billed anything from, or was even contacted by XXXX XXXX XXXX, however over 1 year and 6 months later, I received a collection notice of {$71.00} on my credit report ( screenshot attached ). The collection reason was that XXXX XXXX had " tried to contact me and was unable to reach me ''. However, this is false as I never received any communication from then. 

After seeing this on my credit report I was confused so I called XXXX XXXX to see what the problem was. After speaking with them, they admitted that it was in fact a mistake and that they would remove it from my credit report. However, the company instead marked it as a " paid collection '' on my credit report even though it was a mistake and should have never been there in the first place because I never owed anything to XXXX XXXX XXXX. After seeing this, I called the company again to ask them to remove this from my credit. They then said that they would tell the collections company " ONLINE INFORMATION SERVICES '' to remove it from my credit. However, this is still on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} ; XXXX XXXX XXXX XXXX Balance : {$530.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX ) XXXX Balance : {$230.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$170.00} ; XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$60.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX MORTGAGE SER XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Product: Credit card

Recently my credit card vendor, Discover, notified me that my account may have been compromised. Discover issued me a new account and card. Discover said it was not their system that was compromised, but a merchant. I asked Discover what merchant was compromised, but Discover refused to divulge that information. I may want to avoid the merchant so I think I should have right to know who the merchant is. Here is Discover 's official response. 

" Thank you for your message regarding a merchant compromise. I understand your desire to know which merchant was compromised and I will be happy to address your concerns. 
I am afraid that we are not authorized to disclose the name of the merchant in this case or dates. However, please be assured we are actively monitoring your account and you are never responsible for any unauthorized use of youraccount. ''
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 confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX Account number : # XXXX, Account name : XXXX XXXX, Account number # XXXX, Account Name : XXXX XXXX Account name : # XXXX, Account Name : XXXX XXXX Account Number # XXXX, Account Name : XXXX XXXX XXXX Account Number : # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX, Account Number : # 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 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 eleve mane information is inaccurate.