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

I ordered some boots with my debit card American Express Bluebird on a website that stated it was located in Utah. I got an email from a XXXX company stating that the boots had been sent but I never received them. I got online and traced the tracking number they gave me and it stated that the boots had been sent to XXXX. I live in XXXX. I contacted the seller several times but they did not respond. The website that sold the boots was taken down. It no longer existed. I contacted AMX Bluebird explaining all this to them. They contacted the seller and gave me the tracking number. I went down to the local post office with the tracking number and the post office said that the boots had been sent to another address in XXXX. It was sent to the wrong address. I contacted the seller again and there was no response. I contacted Bluebird and they said that my dispute had been declined because the seller sent the boots. Yet I did not get the boots because they sent them to the wrong address. I was defrauded of my money since the website was taken down, I did not receive my boots and Bluebird did not refund my money. I wrote to the company in XXXX and this is what I wrote : XXXX My name is XXXX XXXX and the item I ordered was for XXXX XXXX to be shipped to my address at XXXX XXXX XXXX # XXXX, XXXX, CA XXXX did not receive my order from XXXX Transaction ID : XXXX Transaction Date : XX/XX/2021 Transaction amount : XXXX You sent me an email with tracking XXXX I went down to the local post office in XXXX California where I XXXX XXXX They tracked the tracking number to someone else 's address XXXX XXXX XXXX XXXX, CA. My address is XXXX XXXX XXXX # XXXX XXXX CA XXXX. They sent it to the wrong address instead of the one I gave them. I am continuing my dispute because I never received the item. 
I paid as a guest through XXXX. I tried to contact the seller by email but they didn't reply. 
Included is a copy of the email you sent. 
Regarding the transaction below : Seller 's Name : Seller 's Email : XXXX Transaction ID : XXXX Transaction Date : XX/XX/2021 XXXX PST Transaction Amount : {$63.00} USD
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX all report a Chapter XXXX Bankruptcy in XXXX XXXX. They say that they got the information from XXXX XXXX XXXX Texas.The XXXX Bankruptcy XXXX, XXXX XXXX of Texas does not report information to any credit reporting agency. The XXXX does not have any control or jurisdiction over credit reporting agencies. They sent me their sealed documentation stating this. This is a violation of my privacy as provided thru The Privacy Act of 1974, the right to Opt Out, using XXXX XXXX XXXX ( b ) Permissable Purposes, XXXX XXXX XXXX ( a ) ( XXXX ), and XXXX XXXX XXXX, Obligations and Enforcement.
Product: Prepaid card

On or about XX/XX/XXXX Bank of America allowed someone else using my Name, ( maiden name ), to collect all pandemic relief benefits awarded through my unemployment/XXXX  accounts. I was asked to show identification verification to Bank of America in XXXX of XXXX and notified unemployment XXXX  department as well. Bank of America verified that in fact they did do this as my identification number and name was never verified prior to this time at all. I am still awaiting reimbursement of these benefits to be given to me and don't know what else I can do to get my stimulus benefits refunded to me.
Product: Credit reporting or other personal consumer reports

A lease that was charged off on my account after a total loss I am still being held accountable for without any notice which was over 1 year ago and the capital one auto finance is falsely reporting the account is active over these past few months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Auto loan that was paid off is reported incorrectly by two of three credit reporting agencies. Per the FCRA all reporting must be accurate across all three bureas, and if that it not the case the item must be deleted from the credit report totally. As of today Capital One Auto Loan XXXX, for a XXXX XXXX XXXX shows the following : XXXX XXXX XXXX XXXX XXXX XXXX Please remove this incorrectly reported closed account from the bureaus.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXXXXXX Balance : {$620000.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXXXXXX Balance : {$5200.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX. XXXX XXXX XXXX {$470.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$380.00} XX/XX/XXXX ( Original Creditor : XXXX XXXX ) XXXX {$2100.00} XX/XX/XXXX 15 U.S.C, 1681section 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 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 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 writing to file a formal complaint against XXXX XXXX concerning their failure to report my loan payment history as per their policy. My name is XXXX XXXX, and I am a customer of Credit Strong. My account number with XXXX XXXX is XXXX. 

According to the terms and conditions agreed upon at the initiation of my loan with XXXX XXXX, the company is obligated to report my loan status and payment history to the credit bureaus temporarily. However, despite adhering to the payment schedule and meeting all requirements, my loan history has not been updated or reported by XXXX XXXX. 

This lack of reporting is adversely affecting my credit profile, as my payment history is a crucial component of my creditworthiness. I have made numerous attempts to contact XXXX XXXX to resolve this issue, but there has been no satisfactory resolution. 

I kindly request the Consumer Financial Protection Bureau to intervene and assist in ensuring that XXXX XXXX fulfills its contractual obligation to report my loan payment history accurately and promptly. 

Thank you for your assistance in this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX
Product: Bank account or service

XXXX/XXXX/15 I deposited a computer generated check at the Capital One bank in XXXX XXXX Tx, & have a deposit reciept. The bank has since lost my deposit, & have no trace of my check or the finances. I have contacXXXX the check writer and will have a copy of both front and back of the illusive check, as well as the deposit reciept. I drove the check to the bank and have a witness when I deposited the check. The bank has not depositted the funds or even acknowledge that the check ExIsts. I have The proof in a reciept but the bank will not honor the deposit. Now although I worked and received a check fRom my empemployer and depositted the check Capital one will not honor the check. I 'm colecting all necessary information. And will be notifying the police monday as the amount they are holding is over XXXX dollars. I belIeve that makes the amount being with held from me illegally a grand theft charge. I intend to press charges as I did my part and the bank is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, EQUIFAX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some inquiries that appear incorrect. Not only did I fi but I ALSO FOUND TONS OF INACCURATE INQUIRIES ON THE CREDIT THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation proving proof of my current address, social security card, driver 's license, and bank statement. 
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, EQUIFAX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I DEMAND YOU, XXXX, EQUIFAX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT inquiries FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE INQUIRIES FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. 
IF THESE FRAUDULENT, INACCURATE INQUIRIES DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, EQUIFAX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE INQUIRIES THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. 
15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 
15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!!! 

XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Mortgage

Nationstar is sending out deceptive solicitations for refinancing. They always claim " lower interest rates ''. They tout " reduced monthly payments '' and " shorter loan terms ''. 
The problem is that the interest rates are significantly higher ( I 'm at 2.675 % ), and the benefits they cite can only be achieved by paying Nationstar higher interest. 
With a finance/accounting degree I know that they 're not offering any benefit, but an uneducated consumer might fall for their tricks.
Product: Mortgage

I was in arrears and got help from ( XXXX ) NJ 's XXXX XXXX XXXX  assistance Program who paid Select Portfolio Services XXXX XXXX, XXXX {$20000.00} which included all that was owed to bring my account up to date. That payment included XXXX 's XXXX mortgage payment also. Once my account was up to date my Mortgage payment went from {$2000.00} to {$1400.00} so Select Portfolio sent the overage back to XXXX on XXXX XXXX the same day XXXX resent the {$520.00} to Select Portfolio and told them to apply any overage payments to my account. On my XXXX statement it shows out of the {$20000.00} Principle {$1900.00} Interest {$4900.00} Escrow {$12000.00} Fees & Other charges {$1600.00}. My taxes for XXXX were {$7200.00} my homeowners ins. {$2000.00}. and I had already paid some of it for XXXX so where did they get the Escrow amount they took? 
Then in XX/XX/XXXX I get my statement saying my mortgage payment is now {$1500.00} for XXXX which XXXX paid them again {$2000.00} on XX/XX/XXXX which this statement says for last months payment Principle {$740.00} Interest {$540.00} Escrow {$730.00}. Then this morning I get my XXXX statement saying for XXXX I owe {$1500.00} which last months payment went as follows, Principle $ XXXX Interest {$1000.00} Escrow {$1100.00} Partial payment not applied $ XXXX. I have called Select Portfolio several times which I have dates, times & names of who I have spoken to, no one seems to be able to tell me where my overage payments have gone. I am extremely upset to the point of being sick from the XXXX  of them playing with my money and my home.
Product: Consumer Loan

XXXX 2015 I want to titlemax in XXXX, Ohio on XXXX XXXX and opened a title loan on my XXXX Ford Explorer XXXX XXXX. When I did this I was able to get a loan for {$2400.00} I was told my XXXX payment will be around {$400.00} because of processing and interest fees. On XXXX XXXX I made my first payment with no problem, but when I ask about the next they told me that it will be roughly around {$400.00} anything over the interest and processing fees will go to principal and that I could not Opt to tell them that I would like my permit to go to principal. I spoke to the general manager how 's the store she proceeded to tell me that this is a " 30 day loan '' and that every day that the loan is still not completed I would have to refinance the loan so with this being done it will make my finance interest go even higher. Also just passed payment attempted to get paid 2 week extension on my due date because of a financial crisis that temporarily one of my income was being down. Now prior to this I have heard people going to the same store and get extensions or be able to do partial payment on overdue payments ... They simply had to talk to the general manager of that store to see if they can work on a temporary payment plan I was even told this when I was closing the loan with XXXX she told me just to call in and ask to speak to the general manager. Now there has been a new manager in place since then and she is not honoring that and it is putting me in even more of financial bind. Example : I asked to pay the principal due for XX/XX/XXXX which was {$370.00} .... at first one the general manager replied she told me or ask me when I can pay the rest implying that that was something possible to be done and I told her out of the {$500.00} that they were charging me since I was late on the payment that I was only able to pay the {$370.00} and pay the remainder a week later. She declined that and proceeded to ask me where can I pay the {$500.00} and that my truck can be eligible to repossessed. I told her just so my truck does n't get repossessed I would have it in by XX/XX/XXXX. I then asked her why was n't the loan process explained to me originally as the way she just explained it to me ... .she then told me at that point that it was a 30 day loan and that she would n't even get this type of loan for herself if she had to go down the avenue that I had to go there because she knows it would suck people in ... These are her own words and I will testify to that. I feel like this is a predatory loan and that it is very miss represented by its agents that process the loan. I was never given a clear estimate on how the payment was allocated to the loan. I feel as this company is increasing rates and making people pay more by refinancing these loans month it is making it impossible for people to repay these loans.
Product: Credit reporting or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS IN MY NAME : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by the COVID Virus and filed a natural diaster emergency with all three credit bureaus. None of my accounts are the same on all e credit reporting agencys. None recieved notice that my score decreased after paying a car loan off with XXXX. I called XXXX XXXX and I could not even get anyone to discuss this situation about the paid off car loan instead it says the account is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want the credit acceptance account and the automated rent debt collection removed from my credit. Both accounts have been paid
Product: Debt collection

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, please remove this collection account immediately.
Product: Credit reporting or other personal consumer reports

I sent over a Letter to Equifax requesting removal of certain items from my report because they was reported without my consent. According to 15 U.S. Code 1692 ( g ), and 15 U.S. Code 1692 ( c ), 15 U.S. Code 1681 ( e ), 15 U.S. Code 1681 ( i ) there are violations. Also 15 U.S. Code 1681 ( n ) and 15 U.S. Code 1681 ( b ). I never gave written consent to the credit agency to post anything to my report I have no contract with this credit reporting agency and they are violating my rights and illegally allowing things to go on my credit report that I never did or ever will authorize. I need this agency to remove the item that i requested from report # XXXX. I'm requesting that this be done in a timely manner 30 days or less. Anything beyond this point I will be seeking to file a lawsuit against this agency. Many time my rights has been violated by this agency and i need these illegal actions to CEASE. i'm asking that this agency CEASE and DESIST from all illegally actions that is being formed against me on my credit report at this time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Hard Inquries are to be removed. 
XXXX XXXX XXXX XXXX XXXX  These was not authorized by me.

These are the items that was placed on my credit report without my permission.
Product: Debt collection

I have called XXXX multiple times to have them validate the debt, provide me with all paperwork to show they attempted to collect, send me all original paperwork that shows I owe the debt. I have received nothing. I have also disputed this through XXXX XXXX to no avail. Nothing has been provided to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

They had a breach in security that directly affected me. They have mishandled the situation and I feel that my information has been compromised without a valid response. According to the Equifax website I am at risk.
Product: Money transfer, virtual currency, or money service

Used XXXX through my banking app to transfer money for custom glass art that I was purchasing online. I sent {$500.00} XX/XX/XXXX and then another {$500.00} XX/XX/XXXX but didn't post until XX/XX/XXXX seller told me he received the money and that he would start the custom work and I would have a tracking number in a week and the art work in a week after receiving tracking number. A week went by and didn't hear anything I contact art seller and he informs me he q and s short on material and the art pieces will be done in the next few days and I'll be hearing from him. 3 days go by no phone calls or email so I call and his phone is disconnected and I can not reach him. I used XXXX through my bank and thought it was secure due to my bank offering it as a service no where did they disclose that there was no protection and that I should only send it to people I know personally. I called my bank to try to resolve the issue and they told me there's nothing they can do about it how can a bank offer services without protecting their customers or at least making it clear there's no protection for buying goods though Wells Fargo mobile app using XXXX
Product: Credit reporting or other personal consumer reports

I have requested that my personal information be corrected. I have sent in state ID to provide proof and they have not updated it yet. I am requesting that you enforce my right to have an accurate file with the credit reporting agencies. This is very detrimental to my credit file and my options in regards to credit.
Product: Credit reporting or other personal consumer reports

Over the last year i have disputed all negative items on my credit report and after disputing all items more than one time I get a response saying they've already investigated that and deny my dispute without doing another investigation. I am not sure they ever investigated it at all. I think they have an automation program responding with default responses to everything I dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : DEPT OF ED/XXXX XXXXXXXX Balance : {$3100.00} ; DEPT OF ED/XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$44000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting false statement to my credit report damaging my credit. We both agree to settlement agreement on the on paid balance of {$540.00}. the settlement agreement was for {$270.00} leaving me unresponsible for the difference of {$270.00}. 

XXXX XXXXXXXX is reporting they took a full write off of {$540.00} on to my credit report. 

I sent this documentation to XXXX, and they still reported the way XXXX XXXX it to be on my credit report.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX.