23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have multiple Accounts opened by my XXXX  husband and didn't find out until after he XXXX on XX/XX/year>. He was my payee. I thought I could trust him. My lawyer and XXXX of my long time friends which is the XXXX helping fill this out now helped me. I can barely read nor do I even know how to fill out an application. I'm am not mentally capable. I have a learning XXXX and struggle to read simple things. My husband XXXX  and left me with a lot of bills and debt. I am trying to figure out how to figure out how to fix the rest of his damages. I have XXXX store card I believe she told me and the others are credit cards I already had to pay off the XXXX XXXX that he did from the bank that I have to use for my bills with the XXXX.
Product: Credit reporting or other personal consumer reports

This is my 7th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am a XXXX XXXX XXXX and XXXX XXXX veteran and there are multiple collections reported on my credit report wich seems to be fraud. As per the va whitehouse line, thus must be fraud. I never had any business with a few companies listed on my report so someone must of stole my identity or trying to scam me to get money. All my medical debt is to be covered by the va as I was XXXX from the XXXX with the XXXX XXXXXXXX XXXX and XXXX XXXX rating in XXXX. Any medical debt on my credit report is fraud. And " bull city financial " one of the main ones, seems to be listing things and changing them to get money from me. If you have any questions please contact me at XXXX. I'm trying to buy a house with my va loan and this fraudulent charges on my account are really hindering the process, and I'm about to become a homeless vet because of it.
Product: Credit reporting or other personal consumer reports

My public record is inaccurate and I attempted to file proof of documents that show a mortgage reaffirmation agreement to the mortgage company, credit reporting systems and court. My monthly mortgage owed is not being reported and tracked and not accurate to the monthly payments I have been making for the past XXXX  years. This affects my credit worthiness and ability to show accurate scores of financial payments being made, additionally affecting my ability to access future loans, refinance and credit score.
Product: Debt collection

I received a " Notice of Bank Levy '' in the mail today from XXXX XXXX XXXX, XXXX claiming they are the trustee on a levy against my accounts. 

I contacted the number on the letter and the person who answered couldn't or wouldn't provide my any information about this " levy. '' He kept asking if I tried to resolve the debt. 

I asked what should be simple questions like which court they filed this action in and he refused to answer. 

He asked for a contact number for their " legal department '' to get back to me. 

I never had a loan or account with XXXX XXXX XXXX
Product: Credit card

Dear CFPB, I hope this email finds you well. I am writing to urgently address an ongoing issue concerning my recent order of a XXXX XXXX XXXX from the XXXX XXXX. 

On XX/XX/XXXX, I made a purchase of a XXXX XXXX XXXX totaling {$920.00}, inclusive of taxes and fees. During the checkout process, I specifically selected the " Signature Confirmation '' option with the courier to ensure secure delivery, as indicated on my order confirmation. 

However, on XX/XX/XXXX, the scheduled delivery date, my package failed to arrive, and to my dismay, no signature was obtained as per the selected delivery option. Despite my persistent efforts to resolve this matter with both XXXX XXXX and XXXX, a satisfactory resolution has remained elusive. 

Of utmost concern is the fact that XXXX, despite being repeatedly contacted, has been unable to provide any proof of a signature for the delivery, despite its critical importance in this situation. Despite their standard practice of providing photographic evidence of delivered packages and obtaining signatures as proof of delivery, the documentation for this specific delivery only states that the package was " Left at Front Door, '' devoid of any photographic or signature evidence. 

Furthermore, I have made numerous attempts to address this issue with Syncrony Bank, the provider of the store card for my XXXX purchases. Regrettably, my claims for reimbursement have been summarily denied on three separate occasions ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), with each response failing to acknowledge the necessity of concrete proof of delivery, particularly a signature. 

I am reaching out to request your urgent assistance in resolving this matter. Given the circumstances outlined above, it is imperative that we obtain conclusive evidence of delivery and take appropriate measures to rectify this situation promptly. 

Please advise on the best course of action to address this issue effectively. Your prompt attention to this matter would be greatly appreciated. 

Thank you for your time and assistance. 

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

In accordance with the Fair Credit Reporting act XXXX  XXXX # XXXX ; XXXX XXXX  # 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 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: Credit reporting or other personal consumer reports

XXXX $ balance should have never been reported. This amount was paid 3 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX  XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$180.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$350.00}
Product: Mortgage

My mortgage servicing company has not released my mortgage with the county and it has been over the allowed time frame under ORC section 5301.36. In Ohio, a lender must record the satisfaction of a residential mortgage within 90 days from the date the mortgage was paid off. If the mortgage lender fails to comply with this requirement, the borrower may recover, in a civil action, damages of {$250.00}. This provision does n't prevent the borrower from seeking any other remedies that might be available to him or her. See ORC section 5301.36.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My loan was forgiven XX/XX/23 based on the IDR adjustment per the Department of Education and the XXXX XXXX. According the the discharge email and 2 calls to my servicer ( EdFinancial ) I am due back {$4500.00}. I have submitted two complaints to the Department of Education ( via studentaid.gov ) with the first being in XXXX of XXXX. No reply. I have called the servicer again and they have confirmed they have sent the info for repayment of the overage to the Department of Education. Its now been more than 5 months. I can not get ahold of a clear answer on where the refund stands. Can anyone help?
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX - XXXX CCB/XXXX  - XXXX XXXX  - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I bought a saw from XXXX that turned out to be used and defective. There web site said 90 days warranty 30 days free returns. I went back and fourth with them, sending them videos and telling them what I have done several times. They sent me videos on how to put gas in and start several times. 
After several weeks of arguing with them they finally sent a return label and I returned saw. XXXX XXXX apparently never returned funds or Truist Bank never credited my account back. 

Enclosed is tracking number and proof they received the saw. 
Tried to dispute with Truist Bank, 3 times, monies that were to be returned by merchant. 
They said they closed first time because no affidavit. They said they would send and I never received. 

Truist Bank The Charge was {$360.00} on XX/XX/2023 The name of my account is XXXX Contracting Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I have disputed a bankruptcy with XXXX XXXX reporting agencies XXXX, Experian and XXXX. They are reporting an inaccurate bankruptcy in my public records. So I did some investigating and contacted XXXX. XXXX sent me a letter stating the XXXX XXXX reporting agencies reported the address XXXX XXXX XXXX, XXXX, NC XXXX back to XXXX when I disputed this bankruptcy. I ( HIGHLIGHTED ) the sentence of the ATTACHED document. THIS ADDRESS IS NOT ON MY CONSUMER CREDIT REPORT. I also called the three credit agencies and recorded the call. I asked the agents if this address was on my report and the agents said, NO. I REQUEST A REINVESTIGATION. Refer your investigation to the document XXXX sent me as evidence that the address is inaccurate and the bankruptcy must be removed. This clearly is a violation of the FCRA 15 U.S code 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Mortgage

Our mortgage was originally with XXXX and they transferred us to Statebridge Company. Right from the beginning our mortgage statement always arrives one or two days before the due date. As of today 's date, XX/XX/19, we have not received it and it was due yesterday XX/XX/19. I have called several times regarding the timeliness of the statement. One guy told me that is just a courtesy, I don't need it to pay my bill. If you pay online they charge you an additional {$5.00}. If I received my statement timely, I wouldn't even have to pay online. If it was received timely we wouldn't be paying additional interest fees or possible late fees. When I do send my bill, they hold it for several days. I have called them a couple times to see if they received my payment because they don't process them timely. In my opinion this company is committing fraud.
Product: Credit reporting or other personal consumer reports

I am writing to request that Equifax cease sharing information regarding a specific account pursuant to my rights under XXXX XXXX. XXXX of the Fair Credit Reporting Act. I understand that under this provision, I have the right to opt out of the sharing of my information with certain affiliates or third parties for marketing purposes. 

Please find the details of the account I wish to opt out of sharing : Account Name : XXXX Account XXXX I hereby request that Equifax cease sharing any information related to the aforementioned account with any affiliates or third parties for marketing purposes. This includes, but is not limited to, the sharing of account details, transaction history, and any other associated information. 

Please process this request promptly and confirm in writing that the opt-out has been successfully implemented. I understand that this opt-out request will remain in effect until I notify you otherwise. 

I am attaching a copy of my driver 's license and proof of address to avoid any of Equifax 's known delays to my requets. This is an urgent matter.
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/2023, money transfer features including XXXX was unavailable for use with Discover Bank checking account. Online app showed some features are temporarily unavailable. Bank representative on the phone failed to specify the time for outage - hours, days or weeks? She just said this is unplanned and that a better answer is not available, not even an estimate. This is unacceptable as money transfer abilities on my own accounts is essential for me, and it is concerning as in the past their XXXX option had been down for weeks. I would like at the very least for Discover Bank to respect the customer enough to provide an estimated timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

i disputed some accounts a liitle time ago when i check my credit report again and seen some more accounts that did not belong to me
Product: Credit reporting 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 XXXX : Account Number:XXXX  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 believe that the information is inaccurate.
Product: Debt collection

The debt collector is adding to my credit report without me know what this is for. I get calls everyday morning and night regarding a debt collector I have no idea of. I have kindly asked to them to stop calling and I still receive calls.
Product: Vehicle loan or lease

In XXXX, vehicle was vandalized while living and working in XXXX, XXXX. It was rear-ended by another vehicle in the parking lot and on one other occassion, others left bodily fluids on the vehicle. On another occassion in XXXX, the vehicle suddenly needed expensive repairs XX/XX/XXXX and was sent to XXXX XXXX XXXX. Upon driving vehicle out of XXXX XXXX XXXX, a stabilizer was left off, and the vehicle was not drivable. It caused an accident and injury to the co-owner. The vehicle was then driven to XXXX XXXX where someone else ran into the back end of the vehicle. Much of this was reported as the co-owner was left without work again and layoffs. By XX/XX/XXXX, there was a notice to call Harley Davidson Financial Services and the vehicle was taken. I still have a key. I never received a legal notice of an issue regarding repossession. I am the co-owner. I did not know anything about what exactly transpired with the vehicle and recently found out the vehicle was sold XX/XX/XXXX. Due to Covid-19, layoffs, and hardship, they took the vehicle and not one word from the owner. My doubt is that the owner, who would not transfer or exchange owner to co-owner, held the vehicle over my head. I have been gainfully employed at times and asked. The thought of trading in the vehicle towards a car was on my mind. I had XXXX XXXX coverage for a time period XXXX, then had an interesting issue on a freeway that would have totalled the bike. I had to change insurance to XXXX and got no help the way 'comprehensive ' insurance should work while living in XXXX XXXX My suspicions are insurance fraud. I no longer have the vehicle, but have some form of repossession on my credit now.
Product: Credit reporting or other personal consumer reports

In 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 an account without my written instructions.

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 furnishes an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

fcra and ftc violations, 15 u.s code 1681 c-1 violation, 15 u.s code 1681 c-2, 15 u.s code 1692g validation of debt requested multiple times requested copy of the application for credit on the accounts listed, requesting copy of cardholder agreement or contract and any amendments that may have been made thereto as this will show what the terms of the contract are so i can see exactly what you are pursuing and the amount that you are trying to collect from me. a copy of the full purchase agreement between you and the original furnisher or furnisher in chain, so that i can be sure that you have the proper legal capacity and authority to collect this alleged debt that you claim that i owe you. as you can surmise, i have never done any business with you. XXXX XXXX XXXX XXXX account # XXXX {$6600.00} XXXX XXXX XXXX {$5800.00} XXXX XXXX XXXX {$3200.00}
Product: Debt collection

I lived at XXXX XXXXXXXX XXXX XXXXXXXX XXXX in XXXX, TN from XX/XX/2019 to XX/XX/2019. My lease was paid in full and I notified the management company when I was moving out. XXXX years later, I saw on my credit report that I was sent to collections that I owed {$2000.00}. I never received any communication that there were outstanding charges from when I lived here. I called the current management company of XXXX  XXXXXXXX XXXX XXXXXXXX XXXX and all they were able to tell me is that I " broke my lease ''. I then asked them to send me a copy of the lease for me to review and they have been unable to provide that to me despite multiple requests. When I reached out again, that same management company then told me that a different management company was managing the property at the time I was living there and that if I needed any further information I would need to reach out to them. I then reached out the previous management company, XXXX XXXX XXXX, multiple times, received no response and no one is able to send me any documentation of the charges that I am supposedly delinquent on. I have no outstanding charges due to the XXXX XXXX XXXXXXXX XXXX nor to Consumer Collection MN where they sent me to collections. I also reached out to Consumer Collection MN as I never received any notification from them that I was sent to their collection agency. When I spoke to them they also had no documentation of what the charges consist of other than " I broke my lease ''. This process has been an absolute nightmare and all I've gotten is the run around from XXXX XXXX XXXX XXXXXXXX XXXX who is currently being managed by XXXX XXXX, XXXXXXXX XXXX XXXX who was the management company at the time I was living at XXXX XXXX XXXX XXXX  XXXX and Consumer Collection MN. This collections has a negative effect on my credit score and I just don't understand how companies are able to do this to an individual. If someone owes money, the creditor should be able to provide sufficient documentation of the charges. I've tried disputing the collections via XXXX and it came back as " verified '' by Consumer Collections MN however they still can't seem to find any verification of the charges that they can send to me???? Somebody please make it make sense.