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

Credit inquiry received on XX/XX/2023 for a credit card with Capital One. This was not me. I immediately contacted Capital One and they said the account was not opened. However, Capital One has not reported this to XXXX even though they claim they sent he request. XXXX claims they have requested Capital One to respond to the false claim to remove from credit report but Capital One has not responded according to XXXX. I have waited 6 months to get this resolved and want this removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX do not reflect their accurate status..Derogatory accusations must be XXXX XXXX Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply..
Product: Credit reporting, credit repair services, or other personal consumer reports

I was having trouble making a payment online for my mortgage with XXXX XXXX XXXX XXXX. I spoke with the company and discovered the problem. They instructed me to call a certain number to make the payment, this was on the last day of the month, and they informed me the payment would not be reported as late or negatively affect my credit score. This was for XXXX or XXXX of 2020. It was reported late anyway. I spoke with XXXX XXXX  and they instructed me to file a dispute with the credit bureaus in order to get the information corrected.
Product: Student loan

Navient ( Company who bought XXXX - my original loan company ) has not only ruined my credit - they sent me to a collections agency despite making payments based on my income ( showing intent to pay ) they made it so that I no longer could make online payments for the specific student signature loan ( because of the small based on income payments showing intent to pay ) so they set " XXXX '' on me ( XXXX part collections agency - supremely rude and dishonest and brings up a host of RED FLAGS on XXXX and other identity safety agencies ). 
XXXX XXXX XXXX Systems - also provided incorrect information about repayment plans and time and interest. I will also be reporting them to the XXXX ( XXXX ) for their practices and their damaging of my credit despite the FACT that I was making minimum payments.
Product: Checking or savings account

On XX/XX/XXXX i paid through PayPal for a dress white color for my wife 's upcoming birthday.

The seller was not providing the tracking number and as soon as I disputed with Paypal he provided the tracking number to show that something was sent to my address. 
Instead of my order dress the seller shipped me flash drives, in XXXX XXXX pieces maximum price is {$10.00} to {$20.00} So i was cheated, the seller wanted to let us know that i get the shipment, but it is impossible to send my order - dress in XXXX inches envelope. 
I provided PayPal all the photos, what I ordered and what I received. And because the seller provided to PayPal the tracking, that I provided much earlier than the seller, Paypal made a decision for seller 's favor. But I appealed their decision and PayPal advised me to report this issue to XXXX or CFPB and they will make a decision on my favor.. So I paid {$400.00} for couple of flash drives. I provided the photo of the envelope with flash drives where is clearly reflected the same tracking as the seller provided to PayPal.

Attached please find pictures of what I ordered and what I received.
Product: Vehicle loan or lease

Hello. Unable to repay current loan due to financial hardship directly impacted via COVID-19. Was able to sell vehicle. I have made every single payments on time or even more money. Company will not issue a deferment payment.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information were erroneous.The XXXX credit bureaus are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX CARD XXXX Balance : {$2900.00} XXXX XXXXXXXX XXXX XXXX Balance : {$11000.00}
Product: Checking or savings account

I tried to wire transfer {$25000.00} to my XXXX XXXX ( XXXX ) account in XXXX from my CitiBank account in the USA on XXXX XX/XX/2023. I called Citibank when I was unable to log into my account, spoke to a representative and they corrected the problem and was told to resubmit the wire transfer form. On XXXX XXXX XXXX they denied access to my account again so I called a second time only find out that they were closing my account do to suspected fraud after I was told by their Fraud Department that everything was good.
Product: Debt collection

The company United Collection Bureau has contacted me to collect a debt which is not mine since I have never requested accounts with them. I asked for evidence of a contract signed by me, which to date has not been able to validate the debt.
Product: Credit reporting or other personal consumer reports

Previous complaint was submitted regarding an account that was charged off in 2020 due to COVID-19 status. Company acknowledged the account was charged off, but continues to report as an open installment account on all credit bureaus. Company used manipulative wording in their response, citing obligation to pay loan regardless of charged off status. I began repaying the loan monthly 12 months ago and continue to do so. So paying is not the issue. There are no issues with the interest rate either. Per the FCRA, a charged off loan should not be reporting as an open installment account, thus not accurately reporting. The account need to refer on my credit report as charged off, not open. I dont understand what is so hard about this.
Product: Student loan

My issues are with the school. I had tried to apply for the federal loan forgiveness since I didnt know Meritize was a private loan and they directed me to you. XXXX school is under XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The staff falsely advertised their programs to me. I had told them I was interested in illustration and they, XXXX XXXX promised their school would aid me with my dreams. A lie used to get me to enroll. I had tried to XXXX XXXX within the first month, but a teacher had told me to keep going. So after the first block, which was three months, I tried to XXXX XXXX again and was met with more lies from the staff at the school. Their withdrawal policy and refund policy stated I would get a refund with a percentage, which depended on how far I was into the program. An 18 month program I was just pushing XXXX months into, by the way. And they told me, which went against their refund policy, that I would be responsible for the entire loan. I got nothing in return, in the end. 
They continued to push me to re-enroll into the school, claiming itd help me more financially. They were aggressive in their emails and pushy when I was consulting in my parents and a lawyer before signing any of their documents further. I had told them their course, and the stress is caused me, had made me extremely ill physically and mentally, which was met with silence. I had developed XXXX  XXXX, which I continue to deal with, and became sick during the months I attended. My loan amount is now XXXX, but from viewing my credits and the tuition I used, I was responsible for around XXXX of the tuition. I am paying for programs and technology, possibly even living costs that I never used. My mother had called XXXX before I enrolled and told him I wouldnt be able to move to Florida for the months my program required me to. We were under false belief that it would be okay if I did not. We tried living there and lost thousands of dollars and couldnt afford anything else. I hardly make enough now to pay for this loan and wont ever be able to support myself in life or pursue another education as long as this loan continues.
Product: Credit reporting or other personal consumer reports

I used XXXX XXXX XXXX that specializes in credit problems. I paid them monthly for 1 year and still havent been able to correct my credit scores back to XXXX as previously!!! PLEASE HELP!!! 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer rights and privacy under 15 usc 1692 et seq and 15 usc 1681 et seq. This company XXXX my consumer profile denying my credit because of unauthorized inquiries. 
On XX/XX/2022 the first letter was sent via certified mail asking for unauthorized information to be removed from my credit report. 
On XX/XX/2022 second letter was sent via certified mail asking for unauthorized information to be removed from my credit report. 
On XX/XX/2022 third letter was sent via certified mail asking for unauthorized information to be removed from my credit report. 
None of my request have not being honored. XXXX is declining to sent any document signed by me approving this inquires. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the years I 've worked hard to build up an excellent credit history. Unfortunately I 'm one of the 143 million people affected by Equifax 's security breach that was made public in XXXX 2017. It is beyond infuriating that a company with so much private and sensitive information about you can put your finance wellbeing in jeopardy. 

I put a temporary fraud alert on my credit report, but who knows what 'll happen after that. To add insult to injury they then offered " free credit reporting, '' but only if you agreed to binding arbitration that would effectively prevent you from suing them. 

I also read that several Equifax executives cashed out stocks just prior to the announcement, anticipating that the company 's stock would take a hit. If that 's true, I hope the CFPB/SEC throws the book at Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover financial services pulled my credit without my consent. I did not apply for credit with anyone. 

XXXX 2023
Product: Credit reporting or other personal consumer reports

After over a year of disputes with Capital one they failed to provide me with a debt validation but yet reporting negative information on my credit reports. Please provide me a copy of 1099c or provide proof if this debt belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX XXXX and i am the victim of IDENTITY THEFT and i have filed a police report and filed a federal identity theft report with the FTC. I sent a copy of my FTC IDENTITY THEFT REPORT ( which is the only document i am required to send by law ) to Transunion CERTIFIED MAIL on XX/XX/2020 along with a request for the fraudulent accounts to be blocked as my rights according to FCRA 609 ( e ) ( 15 U.S.C. S 1681g ( e ). EQUIFAX has denied me my rights as a consumer and according to FCRA they are breaking the law. i am including in this complaint a copy of my FTC IDENTITY THEFT REPORT, AN OFFICIAL COPY OF MY POLICE REPORT, THE NUMBER TO THE DETECTIVE HANDLING MY IDENTITY THEFT REPORT AND THE POLICE DEPARTMENT WHERE MY POLICE REPORT WAS FILED ALONG WITH THE NUMBER TO THE POLICE DEPARTMENT, ALSO I AM INCLUDING, ALONG WITH THE RECEIPTS FROM THE XXXXS. POSTAL SERVICE WHICH SHOWS THE DATE AND TIME THE LETTERS WAS RECEIVED BY EQUIFAX, ALSO I AM INCLUDING IN THIS COMPLAINT A COPY OF MY STATE DRIVERS LICENSE ALONG WITH MY SOCIAL SECURITY CARD SO THAT EQUIFAX CAN SUCCESSFULLY IDENTIFY ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/19 I received another denial letter from XXXX credit card ... uploading letter ) I called an explained that the information on my Experian credit report is incorrect. I was told to contact Experian directly and if corrected they can revisit my application. I tried to call Experian XXXX it is impossible to speak to a human. Ive disputed these 2 negative items several times in writing. It is obvious they did not correct the problem. My XXXX and XXXX report had investigated and removed these 2 items that are reporting negative. I am submitting this complaint because they are not addressing this issue. The only thing I received from Experian was a letter they will not re-dispute these 2 items on my report. That is completely wrong ... .this information is incorrect and it is causing me a problem in obtaining substantial credit
Product: Credit card or prepaid card

On Wednesday XX/XX/2023 I went to Discount Tire located at XXXX XXXX XXXX XXXX XXXX OH XXXX. The purpose of the visit was to purchase a new set of four tires. Discount Tire employees ; XXXX, XXXX, and XXXX told me about a promotion in which I can finance the cost of four new tires through a company called Synchrony. Upon application to finance the work ( which was quoted at {$820.00} ) I requested {$830.00}. Synchrony denied the requested amount and offered {$400.00} instead. I declined the amount and did not wish to be issued a line of credit for {$400.00}. On Tuesday XX/XX/2023 I received an email from Synchrony saying a credit card was in the mail for {$400.00}. I called ( XXXX ) XXXX XXXX and after much difficulty through the automated system reached a live person to cancel the credit card. 

Note : A letter from Synchrony arrived on XX/XX/2023 stating the reason for denial was " Insufficient experience at your current credit limit ''. I have no experience with this limit because I have never had an account with Synchrony. This is not a legitimate reason to be denied.
Product: Checking or savings account

I do not have an account with PNC, but they allow someone to cash my reimbursement checks from my insurance company without a signature. The XXXX XXXX send them all of the documentation and I haven't heard anything nor will PNC tell me anything because I do not have an account and it has been months. Why are consumers being victimized when someone committed fraud, cashed over 7 checks and now you are making me wait, I don't know how long, but, it did not take the thief long to steal my money. The bank should be held accountable. If this is not the place that can help me. Please advise. 

Thanks
Product: Debt collection

I.C System INC Account # XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX I am writing to dispute the debt collection practices of I.C. System, Inc. related to my account [ XXXX ]. THIS company has violated the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692 ( c ).
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX  IN Original creditor : XXXX XXXX {$200.00} Balance updated XX/XX/2021 i Never Open any Accounts with This Company This Account Is Fraudulent and its been Reported to my credit report i never open any accounts with this company and they are forcing me to paid them for something i never open with this company also been getting harassment phone calls from this dead collector and also fraudulent phone calls asking me to paid for this account i never open and also this collection account was place on my credit report Experian and XXXX and requested for the credit reporting agency to dispute this Fraudulent account from my credit file i want for this company to stop harassing me to paid for Disputed With XXXX Disputed with Experian Identity theft Account From Collection Agency
Product: Checking or savings account

XXXX XXXX /cash app has been very negligent with my account. I recently found out that during the time of my disputes that my account was being handled by XXXX  I was wondering why my account was closed me, knowing I had done nothing wrong and also I realize the moment that I did dispute my transactions in question my account was closed, and I was told that there was no more information to be givin about my account they refuse to help me verify they refuse to show me how they also refuse to help me find another way to verify my identity within a decent time. This account is currently still closed. I honestly would like my account reopened again, but at the same time after all of the trouble that I have went through with that account, I would just like all of my funds returned to me that I dispute it. During that time there were funds taken out of my account and there were transactions that were not anywhere near the city of XXXX. I actually found out that the transactions in question were not made in Michigan. I was doing everything I can to verify myself and to also get my funds back, but with me finding out that cash app is being sued for deceiving us and having bots handle our dispute in our account all of my proof will be in this file that I have taken pictures of with all the trouble Cash App has caused with that account. I was just like my funds return to me in one piecethat cash app obviously knew were not authorized. To make it worse I was never in violation until I disputed these transactions with Cash app. I sent over my social and personal information to try to verify myself. I was given the runaround from Cash Apps system. I had no help and yes till this day I still want my funds back and or returned please because I still do want my money
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent mailing to credit bureau to request removal
Product: Debt collection

Someone kept texting me with the debt from XXXX XXXX ( which we are currently dealing with ) saying we owed and here is the account information. To please log in and work on it. 
So I XXXX the bank and log in information and it all checked out so I figured it was legit. 
I logged in and low and behold the account was not legit ( not even mine ) but had my social and my address all there with it. 
Now we are trying to lock all our accounts because when I logged in all it did was verify that was my account ( even with the wrong name )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  Date of request XX/XX/2021 XXXX XXXX Date of request XX/XX/2021 XXXX XXXX XXXX XXXX  Date of request XX/XX/2021 XXXX XXXX XXXX XXXX Date of request XX/XX/2021 XXXX XXXX XXXX Date of request XX/XX/2021 XXXX Date of request XX/XX/2021 XXXX XXXX XXXX Date of request XX/XX/2021 I applied fort one auto loan and the dealer sent my info to multiple lenders without my knowledge or consent
Product: Debt collection

They are attempting to collect debt on an auto loan that doesnt belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I uploaded a letter to XXXX, Equifax and XXXX and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the companies verified my accounts. I asked for proof of any files to verify these accounts and if there are not any, please delete these accounts. XXXX, Equifax or XXXX  does not have any files to verify these accounts, nor will they delete it.
Product: Debt collection

A collection agency is reporting on my credit. I attempted to contact them via physical mail regarding this issue without response. I would like to verify this debt is legitimate & if so, agree on a settlement
Product: Checking or savings account

I requested a transfer of {$20000.00} from Citi to my XXXX account on XX/XX/XXXX. The money hit my XXXX account on the XX/XX/XXXX. 
I started seeing a {$20000.00} pending in my Citi account from the XXXX and did not get adjusted. 
I got an email from Citi on XX/XX/XXXX stating that my transfer request from the XXXX has been cancelled. 
The {$20000.00} debit got posted on citi on XX/XX/XXXX. 
The pending status is still showing and the account has gone to negative balance. 
This is causing a lot of inconvenience and anguish to me since i have to put a hold on some checks i have issued and manage the auto payments to various agencies like my insurance and utilities.
Product: Debt collection

Seven medical bills that were in collection was paid in full over a year ago. These items still show on my credit report with major deficiencies to my credit rating hence I am unable to refinance my family home. 
Thank you
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to SYNCB-CAR CARE 4 XX/XX/XXXXto formally dispute the accuracy of certain information in my credit report, which I obtained. Pursuant to 15 USC 1681i ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), I demand an immediate, thorough, and good-faith investigation. I know that SYNCB-CAR CARE 4XX/XX/XXXX being sued for engaging in " sham investigations '' by failing to properly verify and correct erroneous credit report entries, misleading consumers in the process. Given these serious violations, I expect my dispute to be handled in full compliance with the FCRA, including : 1.A complete and reasonable investigation within the 30-day period, as mandated by law. 2.A detailed explanation of your findings and the actions taken to correct any errors.

3.The provision of a free updated credit report reflecting the corrections made. I have enclosed supporting documentation to substantiate my claim, which should assist in your investigation. Failure to properly investigate and correct these errors will leave me no choice but to escalate my complaint to regulatory authorities, and my state attorney generals office, and to seek legal remedies for damages caused by your agencys failure to comply with the law.
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. 

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 XXXXXXXX, 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: Debt collection

My former banking institution seized my IRS refund to pay for charged-off debt.