23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have met a toy artist with the XXXX named XXXX, Paypal name XXXX XXXX XXXX, I have told him to order a XXXX XXXX XXXX toy model kit, total costs is supposed to be {$3700.00}, and I broke it down to 5 payments which are {$1600.00} on XX/XX/2020, {$500.00} XX/XX/2020, {$500.00} XX/XX/2020, {$500.00} XX/XX/2020, and {$670.00} XX/XX/2020. He shipped the item to me after I fully paid, he packed it with 3 boxes and I received it by XXXX on XX/XX/2020. After I opened the 3 boxes, the items are damaged, so I messaged the seller, and he told me he would filed a claim with XXXX, so he can send me the return label, and i was keep waiting for almost 2 weeks, and at the end, he asked me to pay for the shipping fee first and send it back to him, so he can repair the items for me. so I shipped it back to him by XXXX, same boxes, but after he received the items, he said he is not going to repair it because he didn't damage it and he is not shipping it back to me. I tried to file a dispute with Paypal and XXXX, none of them tried to help me and just told me to contact the seller and solve it. This is completely not fair since I paid {$3700.00} on this item, it's damaged and it's not even on my hand.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX 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 a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$16000.00}XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$130.00}XXXX XXXX XXXXXXXX Account # : XXXX date opened XX/XX/XXXX bal. {$120.00}, XXXX XXXXXXXX Account # : XXXX date opened XX/XX/XXXX bal. {$56.00}, XXXX XXXX XXXX XXXXXXXX Account # : XXXX* date XXXX XX/XX/XXXX bal. {$0.00}, XXXX XXXXXXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00} XXXX Inquiries : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

On XXXX I purchase and receive a XXXX XXXX XXXX  financed through U.S. Auto Sales XXXX monthly payment was XXXX and XXXX Biweekly. On XXXX XXXX I receive an email from U.s Auto Sales stated effective XXXX the servicing of the account referenced above will be the servicing of the account transferred from U.S Auto Finance Inc to Westlake Portfolio Management LLCs,. On XXXX at XXXX I received welcome letter from Westlake Portfolio Management LLC I called immediately after receiving the welcome letter I ask could they provide me a updated contract from their company Westlake stated they did not have my contract and they could not provide me any copies. Per trying to obtain my contract for months I never XXXX provide one my current lienholder states US Auto Sales and not Westlake Portfolio Management which per my research is a debt collector and not a financial institution. Per my contract signed with Us. Auto Sales if I or US Auto sales may rescind the retail installment sales contracts to a financial institution which Westlake Portfolio management is a debt collector. Which means there is a breach in contract US Auto Sales went into bankruptcies in XX/XX/XXXX. Westlake is now showing up on my credit report has I have a open loan with them with no contract and also Westlake has put my car in repo status but Us Auto is still my lienholder. It so much going on and I need my car it is my way of going to work and XXXX things in life to be mistreated misused the way Us Auto Sales and Westlake are doing us I have filed a compliant with the Dmv in my regions as well as a lawsuit against both Us Auto sales and Westlake Portfolio I have attached all documents.
Product: Payday loan, title loan, personal loan, or advance loan

I received a letter in the mail about a Cash Advance/Payday loan debt collection. The receivable amount was XXXX XXXX However, I have never taken out a cash advance loan. The Law firm is XXXX XXXX XXXX XXXX XXXX. When I looked them up online, the only evidence of their address is from their own website and listing, XXXX could not verify. When I went on their website, it was very crude and basic and had very little information. Several links that led to the same page. I have not contacted them yet as I do not want to give them any kind of personal information in the case that this is a likely scam. I looked into the lawyer, XXXX XXXX XXXX and could not find evidence he was licensed in the state that this letter and website claimed. In fact, the true XXXX XXXX XXXX is half way across the country from where the letter claims with a criminal defense firm. I highly doubt he has a secondary firm half way across the country specializing in a different field.
Product: Credit reporting or other personal consumer reports

This the XXXX time Ive been complaining about unauthorized inquiries on my credit report. XXXX XXXX has 3 inquiries that are showing no my credit report and due to there data breach has been causing me problems. According to 15 USC 1681 ( I ) I have a right to privacy. This should not take this long to get resolved. Its not mine and doesnt belong to me. Please remove them.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$500.00} XXXX  - XX/XX/XXXX
Product: Vehicle loan or lease

Credit acceptance! Repo my car after I told them that my checking account was overdrawn however they want me to pay a certain amount to get my car releases I never been late making car payments They are big scammers and have XXXX customer service attitude
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE STOLE MY IDENTITY AND OPEN UP SOME ACCOUNTS THAT I HAVE NO KNOWLEDGE OF I AM A VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

Debt Collector is has violated my HIPPA right, has been increasing interest 2 per month sin I have started this validation of debt and re-aging the account with new alleged amount own. provided billing record for medical treatment I have received with with my HIPPA authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing erroneous information with Equifax, XXXX, and XXXX regarding accounts that were a result of identity theft. I submitted the identity theft affidavit that showed these fraudulent charges happened to accounts that I had. I attached the police report, identification, etc. I have submitted a XXXX Letters and also sent letters for Method of Verification. The only thing that consistently comes back is verified. One credit bureau is actually reporting these accounts in good standing while still stating it's a chargeoff. I have sent copies of the police report. id theft affidavit, state-issued id, all documentation, and only receive credit reports back saying verified or they will ask for the same information all over, The same regarding my personal information. None of the credit bureaus have complied with the FCRA regarding providing me proof and copies of what's in my file regarding these accounts.
Product: Credit card

I received a call from this phone # saying that they were from card services, tthe person stated there is nothing wrong with your account but you have anopportunity to receive 6 % interest rate. problem being the person could nottell me what bank card company I was with and they are saying that theygot my number & info from XXXX. I called my card company and they saidthat this is not them.the number in which was on my phone was ( XXXX )
Product: Credit card or prepaid card

Over two phone calls, I asked Citi associates to remove a large amount of interest acrued over 18 months of my unemployment, totaling {$560.00}. I did not ask for all the {$560.00} to be removed, as I understand they are a business.

A. But I am basically have to pay {$560.00} because I was unemployed. I am not doing that. That's ridiculous. That was 1/4th of my total balance. What? 

B. I have made two payments of {$1400.00} ( XX/XX/18 ) and {$840.00} ( XX/XX/18 ). 
I am not running from my debt. I am paying it. 
I am simply asking Citi to be reasonable about forcing an unemployed person to pay {$570.00} worth of interest, which at the time was 1/4th of my account balance. That's ridiculous.

C. I have shown good faith and paid the majority of the account. I did not go bankrupt or let my account go to collection agencies. Citi got their money back.

D. I have called Citi card twice to attempt to get them to be reasonable. I was shut down both times. I called their Client Resolutions phone number, as that's the department that deals with unemployed customers. They did not want to help. 

I want fair resolution to this matter. 
Please help.
Product: Checking or savings account

I logged into my Charles Schwab late XX/XX/XXXX to review my account and to purchase my monthly stock. However, when I logged into my account I received a " For your protection, we need to verify your identity before proceeding. Please call XXXX for assistance. '' error. I then called this number at XXXX XXXX and was told by the customer service representative that my account was closed due to an " internal business decision. '' I asked for more detail regarding this sudden action and was told that no further information could be provided. I then asked for a supervisor and they also could not give me any further information and offered options to close my account. I asked again if I could talk to someone higher for additional clarification and if there was the possibility to both appeal this option and to understand more about the reasoning but the supervisor was unable to do so. I thanked them for their time and informed them that I would be filing a CFPB complaint. I also asked information regarding arbitration in case that option was required. 

For some background knowledge, I had opened my Schwab account when I was in college and planned to continue working with Schwab until beyond retirement. XXXX XXXX, I started to practice dollar cost averaging and how to invest into a XXXX XXXX Customer service has always been both transparent and I'm always able to talk to a real person. I am fond of the ease of use of the website and the recently updated phone app and would like to continue being a client of Schwab for the future.

I do understand that there has been some suspicious activity in my bank account. I was unfortunately a victim of check fraud and Schwab may have been informed by the relevant authorities regarding this fraud. I hope Schwab is able to see this as a minor hiccup in our long and fruitful relationship, and that Schwab is able to understand the long term benefits of this relationship.
Product: Credit reporting or other personal consumer reports

CoreLogic Credco XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Inaccurate Addresses, Update of Correct Information, and Security Freeze Dear CoreLogic Credco, I hope this letter finds you well. I am writing to dispute certain addresses listed on my credit report that do not belong to me. I kindly request that you remove any incorrect addresses and update my credit profile with my actual correct address. 
My correct information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please find attached copies of my driver 's license and a recent utility bill as proof of my accurate address. 
In addition to the removal of inaccurate addresses, I request that you place a security freeze on my credit report to protect my personal information from unauthorized access. 
Thank you for your prompt attention to this matter. Please confirm in writing that the necessary changes have been made and that the security freeze has been placed. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I was just made aware of a settlement that Wells Fargo received that is giving payments for various reasons, to people who were customers of this bank during the years of XXXX and XXXX. I was a customer during this timeframe and did experience some qualifying issues with them. It appears I would most likely be qualifying for the {$100.00} reimbursement option as it would have been issues experienced with my checking/savings accounts and debit card. Examples of issues experienced were being charged unlawfully from unknown sources for electric bills that to XXXX that had nothing to do with me as I didn't even have service with that company at the time. And then when I reported it I was denied compensation after their identity theft investigation failed me. I also experienced excessive overdraft fees that surpassed the bank 's posted rules regarding these fees and did not have them reversed when brought to bank 's attention. A number of other issues occured over the years I was banking with Wells Fargo, but hopefully you can help discifer everything from your end. I was referred to your company, being told you would assist in making contact with Wells Fargo concerning receiving the compensation owed from their recent settlement. Please let me know if there's any further info or details you may need, or anything I should do on my end to speed up or increase likelihood of success with this. 

Sincere thanks
Product: Credit card or prepaid card

The credit card company called Ally, keeps sending me unsolicited pre-approved letters in the mail. I keep getting the exact same letters in the mail every other day, if not XXXX!! I have called them and asked kindly to STOP sending me unsolicited mail to me immediately, yet they are continuing to send it! Please help me, this situation is causing me XXXX XXXX  and distress. 
Cease And Desist. 
RESERVATION # XXXX
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX BALANCED {$450.00} XXXX XXXXXXXX BALANCED {$3700.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCED {$3800.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$210.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX BALANCED {$120.00} XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im 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 XXXXXXXX XXXX, XXXX, XXXX, and Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom ever this may concern : In XX/XX/2018 I disputed incorrect information being reported on my credit report by XXXX XXXX. I provided letters to XXXX, XXXX and Experian, requesting specific information pertaining to this account. After the investigations were completed by XXXX and XXXX, XXXX XXXX was recently deleted from these reporting agencies. I have made several attempts with Experian months prior too as well. Experian has not yet deleted this information or provided me with the specific information I've requested. I have attached a copy of the letter I provided to all the credit reporting agencies mentioned. I ask that you please look into this matter to have this item removed from my credit report. Thanks for taking the time to listen to my complaint.
Product: Credit reporting

I have a mixed file on my credit report XXXX XXXX XXXX marketing
Product: Money transfer, virtual currency, or money service

There was a scammer that received $ XXXX {$1000.00} through zelle and I never got that money back. This was in XXXX. I am writing to formally express my concerns regarding zelles handling of disputes, particularly in the light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle on different occasions and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. I was told that all transactions are final and there is NO going back. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like to this item re-investigated. The inaccuracies are highly injuries to my credit score. 
XXXX XXXX Bank ( Account XXXX : XXXX ). 
In accordance with The Fair Reporting Act, Public Law 91-506, Title IV, Section 611, please provide the names and business addresses of each individual with whom you verified above. So I XXXX follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit card or prepaid card

Re : XXXX  XXXX Restuarant week promotion sponsored by Mastercard from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX The complaint is in regards to a promotion that was sponsored and advertised by Mastercard on XXXX Government and various other websites. 
https : XXXXweek Special promotion for Mastercard holders XXXX get {$10.00} back when you spend {$45.00} or more in a single transaction during XXXX Restaurant Week. To participate, enroll any eligible Mastercard to receive a {$10.00} statement credit. Takeout and delivery are not eligible for the promotion. 

ALL the requirements have been met and I have yet to receive my {$10.00} credit I have tried calling numerous times as well as spoken to Barclays ( the servicing Bank ) and Priceless multiple times to no avail. 

None of the agents knew what I was talking about in regards to any promotion ( 14 documented calls ). 

So, one of two things occurred : - The advertising on the various websites is fraudulent OR - Mastercard is not honoring ( or is even aware ) of the promotion which is very concerning and could be potentially widespread impacting numerous consumers.

Getting this issue resolved or even having Mastercard actually know about the promotion has been extremely frustrating to say the least!! 

I was provided a complaint # XXXX and and to date have not received a response. 

Followed up with an e-mail to XXXX ( as provided by the promo offer ) on XX/XX/ and have not received a response from Mastercard or Priceless.
Product: Credit reporting, credit repair services, or other personal consumer reports

The issue has been ongoing since XX/XX/XXXX. There was XXXX negative items showing on my credit report that were fraudulent and I had no knowledge of the creditor on my credit report. 
1. XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX _ original debtor ( XXXX XX/XX/XXXX ) 2. XXXX XXXX XXXX XXXX $ XXXX XXXX _ original debtor ( XXXX Rental ) 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX debtor ( Surge ) I contacted Experian, XXXX and XXXX and XXXX a dispute with them around XX/XX/XXXX. They all conducted investigations, XXXX and XXXX cleared the item from my account, however Experian did not, Experian state that the creditor meet XXXX guideline, which was odd as the other to agency did not feel that they did, so I begin to investigate on my own around XX/XX/XXXX and find out that. 
1. Both the XXXX XXXX XXXX collection were from a company call Acceptance rental, I phone Acceptance rental and was able to determine that someone used my information to obtain furniture, but the original application didn't had my correct social security number, Acceptance use the a copy of licenses the perpetrators had given them at the time of application to gain my information ; I also found out the debt was over XXXX XXXX XXXX. but the Collection agency is reporting as this debt occurred in XXXX. I contacted Experian with the information I had obtain and they still refused to remove the item stating that there investigate result state that the credit meets the XXXX XXXX. 

2. XXXX XXXX XXXX, was contacted by me on XX/XX/XXXX, they were not able to give me information on the outstanding item because they said my information I gave them did not match there record, they also have report the item as being initiated in XXXX and XXXX bank has confirmed the item was older than XXXX but could not talk to me further because my information only partial matches their information in the file. Since the remove of this item from my XXXX report, XXXX XXXX XXXX has once again place the negative item on the XXXX and Experian report. No one want to talk with me because they say my information doesn't match what on their file, however they are placing a negative item on my file, how is this possible if they don't match accordingly to the third party collection agency.