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

On XX/XX/2021 I was in La XXXX, CA, and i was shopping and i had dropped my debit card from Direct Express. It had dropped my card either outside of vehicle or in the store because when I was looking for it in my seats of my car I found it and put it in my back pocket. I noticed it was gone out of pocket when I went into atore to purchase something.. I proceeded to pay with cash. This was about XXXX XXXX when the card was missing. I then called Direct Express to get a new card and stop anyone from using it. I then found out that someone used my card at XXXX XXXX on the XXXX of XXXX at a XXXX XXXX and XXXX fraudualetly spending XXXX at XXXX XXXX and XXXX at TXXXX. I filed a dispute with Direct Express to gedt my money back and made a police report and they still denied my claim so I am out of XXXX and XXXX dollars. Thy said that I can not appeal this or have this looked over,. I feel they never looked t it n the first place because its evident that is was fraud. I do have a police report and Im waiting on copy of that
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian along with the other 2 credit bureaus failed to investigate anything on my credit report & delete items. There are several items that have been paid on my credit & should be deleted along with the inquiries from the car dealership from pulling my credit with multiple banks when I told them not to, the burden of proof is on them to provide how they came to the conclusion by law for these items to remain. I will continue to dispute through the CFPB until you all force them to do something about this
Product: Credit reporting or other personal consumer reports

This is my fourth 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 XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} CITI XXXX XXXX Owed : {$1500.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

15 USC 1681 ( e ) b 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, has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 card

I returned XXXX appliances to Sears after XXXX became unavailable after purchase. It took nearly 3 months for the credit to appear back on the credit card, a Sears card issued by Citibank. For two months, I 've been asking for the credit to be transferred directly to my bank account ( consumer is given the option of a mailed check or direct deposit ). Each of the multiple times I have called, I was told it would take 3-5 business days. Two months later, I 'm told I was sent a check on XXXX/XXXX/16 which can take 7-10 business days to arrive. Total amount due to me is in excess of {$4000.00}
Product: Checking or savings account

A deposit slip was filled out with my account number, name etc. and {$100.00} cash was with it to be deposited into my checking account on XXXX XXXX, 2017. The deposit was made into my account and cleared. Several days later on XXXX XXXX, 2017 an adjustment to my account was done without my consent or knowledge deducting {$100.00}. I spent many hours and phone calls trying to figure out why? None of the Bank of America representatives I spoke with could figure out what the issue was. I was given case # and reference # for each call told someone would get back to me and advise me what the issue was and no one ever did. I continued to call in with still no explanation or resolution. I received a letter stating that a posting error was made to my account but no further details were in the letter. One representative told me to go to my local branch and speak with the Bank Manager and that they would be able to resolve the matter and credit my account back the {$100.00}. Not the case after going to the local branch which I was at for three hours, the lady that was supposed to be helping me brought me to her desk called customer service on her phone handed me the phone then she grabbed her purse and lip balm and exited the bank I saw her get into her vehicle XXXX and drive off leaving me at her desk on the phone on hold. I stood up and motioned for another lady which turned out to be the Manger XXXX XXXX she was shocked at what her worker did and apologized. She was able to figure out what had happened apparently the teller that handled the deposit on XXXX 2017 realized that the person making the deposit who is also a Bank of America customer his account was in the negative so the teller made the deposit to my account as the deposit slip reflects but then she also applied the same deposit to his account as the back of the deposit slip reflects with his account number. She mentioned something about the system that Bank of America uses XXXX and that the error was discovered and that is why they took the {$100.00} back out of my account. This error was made by the teller and has caused me a great deal of inconvenience, frustration, stress and time. I have been a customer with Bank of America for over twenty years and I no longer believe in this institution after what I have gone through. I spoke with several employees and not one knew what was going on. Money was just taken out of my account and it still has not been credited back. I was informed by Bank of America representatives that once a deposit is made especially cash there is no way to go into a customers account and take it out which is what was done so I as well as the Bank of America employees were concerned and at a loss.
Product: Payday loan, title loan, or personal loan

On XX/XX/2023, I placed an online order from XXXX to purchase a XXXX XXXX XXXX in the amount of {$260.00}. I used a credit line or " Pay in 4 '' payment plan offered by Paypal to pay for the watch. The installment plan called for 4 payments of {$66.00} each paid approximately every 2 weeks. 

On XX/XX/2023, I received an empty box delivered via XXXX. There was no watch inside. It was obvious the box had been tampered with. I immediately contacted the XXXX XXXX XXXX XXXX XXXX Department and within XXXX minutes a deputy was dispatched to my house. XXXX XXXX confirmed the box was empty and had been tampered with. I was assigned XXXX # XXXX. 

I then filed complaints with both XXXX and PayPal. XXXX promised me a replacement watch that I could pick up on XX/XX/2023, at the local XXXX store closest to me. On XX/XX/2023, I received an email from XXXX the watch was unavailable for pick up and they were doing their best to locate a watch for me but if unable, they would cancel the order on XX/XX/2023. Because of this, I completely cancelled the order and requested a full refund. 

Since that time, I have been verbally promised on multiple occasions by both XXXX and PayPal to received a full refund with the most recent on XX/XX/2023. However, that is not the case as PayPal continues to debit my checking account with the most recent charge on XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed this account was reporting differently between the Credit bureaus and posted inaccurate late payments from my credit report.
Product: Vehicle loan or lease

I had asked XXXX to remove the late marking due too my husband and i being in the hospital. Then my husband had lost his job and i had to heal from my XXXX. They said it is my responsible to still manage the car. So they said deal with it then all this XXXX had put us behind as well.Right now my husband is still out due to his XXXX XXXX. So i asked them to help us out.To remove late fees and reporting to the bureau.
Product: Mortgage

The representative refused to send me correspondence via email so I would have a record of what occurred. They had said in XXXX that all past due amounts during covid had been put on back end on a recorded line and to make regular payments. We started making payments in XX/XX/XXXX. Then in XX/XX/XXXX they sent a demand letter for XXXX payments they had said were deferred during covid. They demanded a lump sum payment. We filed a complaint with you and they lied about what occurred. We continued making mortgage payments on time and then in XX/XX/XXXX they said they would not accept a payment as we were in foreclosure. we kept in contact with you thru XX/XX/XXXX in which you said they had answered your questions. In XX/XX/XXXX they served us with foreclosure documents. We had a court date and I wrote a letter to the judge explaining they were in Violation of the XXXX XXXX by demanding a lump sum payment. After attending court I reached out to their reinstatement department and was given the attached letter, we made the payment and our mortgage was reinstated. 
They then started sending the mortgage documents with the late fees of over XXXX every month adding more each month. They charged us a XXXX monthly fee from XX/XX/XXXX until this month. They also sent negative information to all credit bureaus ruining our credit rating. My husband is XXXX and I collect social security. We are XXXX payment behind but that is it but they keep sending this statements showing this enormous late fee. The lawyer we spoke to said all amounts due for past payments etc would have been in the reinstatement letter. The reinstatement letter never mentioned those fees and he said they can not collect. We also feel that the damage they have done to our credit for the last XXXX years has been relentless predatory and has been enacted to damage our ability to due business at all with other companies and will impede our ability to get a XXXX XXXX if needed, a credit card or even the daily badgering of their XXXX who are trying to collect late fees that should never have been put against us. Their representatives are crass, unprofessional, tell untruths even in written documents and when I asked for them to pull the recorded calls they mysteriously disappeared. This is a company that needs to be fully audited for their mortgage and Heloc loans as if they are trying to scam us they are doing it to other citizens of our country as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm having issues with Experian they pretend to investigate your case on your behalf & do nothing! I sent out a letter to the company on XX/XX/2022 to inform them to correct my account & later they pretend to verify the account which they did not, XXXX XXXX XXXX. Experian keeps on dropping my score for no reason like they claim. Experian pretends to investigate & doesn't do anything. I have things that are on my credit report the statute of limitation expired on this account they leave it there!! also, I pay all my credit cards down but somehow they still show I have a large balance which is incorrect!! They also pretend they can not process your information because they can not identify who you are when I sent in my picture ID, SS card #, address, & also my light bill. they do this to delay the process of processing your claim or investigating the claim they want to keep you at a low credit score, I have documentation I sent the company paperwork & paid certified mail.
Product: Credit reporting or other personal consumer reports

In a previous CFPB complaint, TransUnion stated on record that a XXXX XXXX XXXX XXXX account was deleted on my credit report. Their response was that they mailed me an updated copy of my credit report. On the report that was sent to me XXXX XXXX was still showing it was updated but not deleted as they reported to CFPB. Transunion continues to say that they have sent a updated report but each report still has XXXXXXXX XXXX reporting on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any XXXX party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payments from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity theft and XXXX a company for months have screwed me and millions over in rates due to wrong credit scores. XXXX has lowered our scores and have not been updating the information on time. This has been a detriment to me as i cant get a decent loan due to what XXXX has failed to report and inaccurately report. I demand a thorough investigation into all 3 credit buraus as they all have wrong information such as reporting dates and credit inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ; XXXX XXXX XXXX, XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States that i have the right to privacy.

15 U.S.C 1681 Section 1604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$73.00} XXXX XXXX XXXX Balance : {$82.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I have had an account with XXXX ' XXXX  for over a year. I have always paid my monthly account on time. XX/XX/2018, I paid my monthly account of {$120.00} as I always do. I began getting daily, harassing calls from them -constantly, saying that I owe more $ on my account. That by XX/XX/2018, I would have to pay {$200.00}! I asked why and they could not explain to me. I called them several times and asked to send me copies of the last few months of my payments so that I could see what was going on. I felt very suspicious of some " hidden fees '' they were charging me, because it didn't make sense. This account I have with them is 0 interest for 5 years. So as I looked over the statements, there is a column where there are " fees '' charged to the account, for what? I still do not know? I want to know why for 13 months I had been paying {$120.00} on my account, and why it jumped to {$160.00}. for XXXX and to {$200.00} for XX/XX/2018? What are these " fees '' and why wasn't I told about them, instead of being harassed with threatening phone calls?
Product: Credit reporting or other personal consumer reports

I requested that XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX be removed from my credit file.
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 Experian 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 : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} These accounts has resulted in several 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 accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Debt collection

Trident Asset Management LLC was forfeited on XX/XX/XXXX. XX/XX/XXXX I received an alert Trident Asset Management LLC entered a derogatory collection account due in the amount of {$340.00}. In result of XXXX  dispute, Trident Asset Management back dated account to XX/XX/XXXX in the amount of {$340.00} with Original Creditor name being XXXX. Trident Asset Management LLC is not in good standing in the State Of Maryland.
Product: Vehicle loan or lease

My name is XXXX XXXX My social security number is XXXX I have a auto loan with Santander consumer USA I ask consumer service for a extensions for XXXX reason for extension was that I was affected from covid and I can make my payment the next month. But they didn't care and said they couldn't help me
Product: Debt collection

Case filed in Ohio by Atty XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, OH XXXX on XX/XX/XXXX for {$4500.00} plus costs the a certified letter sent to an address in Ohio. I'm not a resident of Ohio and never received any information of having been served. Default Judgement was made. I was informed by my employer regarding this matter XX/XX/XXXX. I was never properly served and never communicated as to this matter and could not have replied with Answer to the court in Ohio. Motion to show cause and contempt filed on garnish of wages against myself and my employer. Employer was sent documents to their old address ( 2yrs ). Motion to widthdraw was only granted to my employer. No resolution offered to myself.
Product: Debt collection

This company continuously calls me prior to XXXX. I have answered before and told them I no longer live in Missouri and place me on the XXXX list. It is XXXX my time when they call. They apologized. 
The calls continued at XXXX. Today, I got XXXX XXXX. I told him to place me on the XXXX list and again, how I did not live there and hes calling prior to XXXX. I told him since he was now told, if he calls me before XXXX again that I would be filing a complaint. He told me it wasnt illegal to call me prior to XXXX due to my area code even though I told him to place on dnc and that I no longer lived there.
Product: Credit reporting or other personal consumer reports

I am writing to demand the immediate removal of the fraudulent car loan account associated with the above account number. This account, falsely listed under the name " XXXX XXXX '' which is not my legal namewas fraudulently opened during the COVID-19 pandemic. My legal name is XXXX XXXX XXXX, and I never authorized or opened this account. Your companys continued reporting of this account as " In Collections, '' " Profit Loss, '' " Late Payments, '' and as an open account is a direct violation of multiple consumer protection laws.

Your actions are in violation of the following laws : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) : You have a legal duty to report accurate information to credit reporting agencies. By reporting this fraudulent account, you are breaching your responsibility to maintain accurate data.

FCRA, 15 U.S.C. 1681s-2 ( b ) : Upon receiving a dispute notice, you are required to investigate the accuracy of the disputed information. The fact that this account was opened under a fraudulent identity clearly indicates the inaccuracy of your reporting.

Identity Theft and Assumption Deterrence Act : This act protects victims of identity theft by ensuring their personal information is not used without authorization. Your companys failure to verify the identity of the person opening this account and reporting payments under my name without my consent is a violation of my rights as a victim of identity theft.

FCRA, 15 U.S.C. 1681i : As a consumer, I am entitled to a prompt investigation of disputed information. By continuing to report this fraudulent account without taking immediate action, you are in breach of your obligation to investigate within the required 30-day timeframe.

FCRA, 15 U.S.C. 1681e ( b ) : Consumer reporting agencies and furnishers are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. Your companys reporting of an account opened under a different name violates this provision.