23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I bought XXXX XXXX products from XXXX. They clearly say on the box that the items are to remain frozen. They were sent to me in a box without ANY form of ice packs or anything to even keep the items cold, much less frozen. I called XXXX and they said they don't ship their items with any kind of cold packaging. They told me they send their items ready to eat. First, it doesn't say this on the website. I wasn't prepared to eat 4 pies and doughnuts at that time nor should I HAVE to. I ordered frozen pies and doughnuts and that is what I should receive. It is unsafe to refreeze items that arrive unfrozen. When the company wouldn't help. I contacted Discover card. They sent me the following email : We've received your request to dispute the transaction for {$54.00} on your Discover Card account and are sorry to hear you had a poor experience with XXXX XXXX XXXX XXXX. We can not, however, continue further with the investigation on your behalf with the merchant based on the reason you have provided for requesting to dispute this transaction. 

As a result, the transaction remains a part of your account balance unless already paid and is subject to interest calculations, if applicable, and calculation of your minimum payment due. Your current minimum payment due can be found on your most recent billing statement along with any interest assessed for that billing period, including any interest on this transaction. 

Please contact the merchant or manufacturer directly for questions about : Inconveniences Disagreements with the merchant 's stated policy Rebates/Reimbursement requests Manufacturer 's warranty Promotional offers Incidental damages related to the purchase Unrecognized in-person Chip transactions My dispute included none of these. I ordered frozen products ( XXXX XXXX pies and doughnuts ) and received thawed products.
Product: Money transfer, virtual currency, or money service

I recieved XXXX dollars into my paypal account on XX/XX/XXXX when i tried to transfer it into my bank account i was told i had to wait 24 hours. I waited and tried again. I was then told to wait another 24 hours. Today XX/XX/XXXX i wad told i was no longer able to do anything with the money. I have called over 50 times and they will not release my funds.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 supposed 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.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is my second time trying to correct this error. You are reporting this collection as an open account which is not under FCRA compliance. This is inaccurate reporting and needs to be deleted immediately. Please forward me the updated credit report after you have completed your reinvestigation and corrections. XXXX XXXX XXXX and account number XXXX. Also I have attached your first investigation stating verified as accurate and updated, how is this possible if it still showing inaccurate.Your prompt attention is greatly appreciated on this matter.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX XX/XX/XXXX XXXX XXXX I XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the inclusion of an account on my Equifax credit report that I believe is fraudulent and to assert that I have no ownership or original contract agreement associated with this account. I have reviewed my credit report obtained from your bureau and discovered the following account : Creditor Name : XXXXXXXX XXXX  Account Number : N/A I would like to clearly state that I have never entered into any contractual agreement with the mentioned creditor nor taken out any account with them. The information provided is incorrect and does not pertain to me in any way. I have conducted a thorough review of my records and have found no evidence of any association with this creditor or account. 

Considering the lack of ownership and original contract agreement, I request that you conduct a comprehensive investigation into this matter in accordance with the Fair Credit Reporting Act ( FCRA ). I kindly ask you to take the following actions : 1. Verify the accuracy of the information associated with the disputed account.

2. Provide me with any documentation or evidence that substantiates the existence of a valid contract or agreement.

3. Remove the fraudulent account from my credit report as it is tarnishing my credit history and causing unnecessary harm.

I would also like to request that you provide me with a written response detailing the results of your investigation, the actions taken to resolve this issue, and an updated copy of my credit report reflecting the removal of the fraudulent account.

Additionally, I have taken the liberty of attaching supporting documents that further demonstrate my lack of ownership or association with the disputed account. These documents include [ documents, such as identification documents, proof of residence, insurance bill, police report, FTC report
Product: Credit reporting, credit repair services, or other personal consumer reports

Within the past couple of years I have had so many issues with the student loan service XXXX. It all began in XX/XX/XXXX. My family had already warned me that I needed to make sure that I filed for a deferment, forbearance, or set up a payment plan because the damage that student loans could do to your credit would be a life changing experience. I began begin contacted via mail in XX/XX/XXXX about my loan payments and I quickly went off the information needed for a deferment/forbearance and mailed it back to XXXX. I never received confirmation that I was approved or denied. The letters stopped and I did n't worry. In XX/XX/XXXX I received a letter informing me that XXXX was reporting me to the credit reporting bureaus because I had passed the 90-day late payment mark. I immediate had them to send the form and again and filed it out and faxed it while on the phone and asked why I had n't received any letters regarding the end of the deferment/forbearance. At the time I was informed by the phone representative that she did not have access to that information but with the forbearance the late-payments would be removed within a year. Since XX/XX/XXXX, I have been told that no such " forgiveness '' exists and I have been told that I was contacted in XXXXXX/XX/XXXX via email address that was provided by my school in XXXX. I asked why would they use an old email instead of contacting me via mail when that had always been my preferred form of communication. I was then told by a supervisor in the dispute department that as my loan service provider they had the authority to communicate with me whatever method that they choose. If I never needed to borrow money for school, I would not be in this situation. I was told that there are no options, I can have automatic payments for years and nothing would ever change on my credit and that it is my responsibility to contact them regularly to check on the status of my loans. He then went on to suggest that I just suck it up and deal with the damage toy credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a hard inquiry on my report from synchrony bank/ XXXX . I called the number associated with the company and I am under the impression that it is for some sort of credit card authorization for amazon. I am not an online shopper and have never ever authorized the use of my information for any such thing. I am working to improve my credit and a hard inquiry for a credit card I dont need does not sound ideal for credit building. I did not authorize this and would like it removed at once!
Product: Credit reporting or other personal consumer reports

I have two hard inquires from Capital One ( Bank ) on my credit report that I didnt not apply/authorize. Dates are : XX/XX/scrub>XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bure are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$2800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor has not followed IL state regulations. Creditor also continues to report erroneous and inconsistent data on my consumer profile profile. In XXXX of XXXX I took out a title loan with this agencyI fell behind in payments and in XX/XX/XXXX my vehicle was repossessed as collateral to satisfy the loan. At the time of the loan I was not knowledgeable about IL. state law regulates a title loan 's maximum APR at 36 %. My APR with this loan agency was set at 178.61 %. In Addition to this violation all repossessed collateral according to state regulation satisfies the outstanding debt. Once the loan is defaulted No interest is able to accrue after repo. Not only did this company not adhere to state requirements and regulations, but they also have decimated my credit profile with their incorrect and inconsistent reporting. I have attached 2 separate credit reports ; XXXX XXXX the other XX/XX/XXXX as proof that this creditor reports unfactual and inconsistent information. I disputed with the XXXX Bureau who responded that the information reported meets FCRA Guidelines. XXXX Has failed to conduct a full and thorough investigation, which is another violation of my rights. Therefore I will also hold the Credit Bureau accountable for allowing the creditor to furnish them unfactual inconsistent data. 
A HUGE violation of my consumer rights is LoanMart re-aging of debt. Proof of my XX/XX/XXXX credit report shows Date Last Active of XXXX. However, the XX/XX/XXXX report shows Date Last Active XXXX. No payment has been made on this account since XXXX XXXX. LoanMart re-aged the debt by over 2 years! Next, Loan Mart reports in XX/XX/XXXX, that the date of my Last Payment was XXXX But looking at what They reported on my XXXX XXXX report, No Payment at all was reported in XX/XX/XXXX. 
The payment history reported is all inconsistent, and inaccurate. Payment statuses jump around from 60 days late to 180 days late, then back to 60 days late. This is not AT ALL possible. Next, vehicle was repossessed in XXXX but reporting 180 days late for over 2 years, but never closed or charge-off status. Account remains open and Accrues interest. Seeming to be a current open Auto Loan. Monthly payment of XXXX is reported, which affects my debt to income ratio. This Creditor has hurt my ability to obtain new credit with the false information they have continued to report. This is written defamation of character. I will seek damages from both the Creditor and Credit Bureau. I want this account removed from my credit profile immediately and for the creditor to Cease all reporting and collection attempts of this debt they claim I legally owe them.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

Attn XXXX : NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information CAPITAL ONE it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I am herby requesting all above disclosures required by Federal.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Ive noticed collections accounts on my credit report that are result of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen in XXXX. I contacted the 3 credit beaureus to place a fraud alert for accounts being opened in my name. I was told any time an application for anything was filled ' that the companies would be required to contact me before opening the account requested. 
On XX/XX/XXXX, XXXX XXXX  ( a self financial company ) opened an account using my information without contacting me to verify my identity. They are refusing to take my call to close the account saying that the request can only be done by email and with a report from the FTC. I completed a report with the FTC, but because their was a typo on my email, I couldnt get access to the report until I waited a certain time and refilled another complaint with them. XXXX  is also refusing to remove this account from my credit reporting because I havent been able to get it closed through XXXX XXXX  ( who is still refusing to close the account ).
Product: Vehicle loan or lease

I didn't have this vehicle with Ally and they told me it would not be on my credit report when I called and they lied. This is Fraud and Identity Theft and I need something done immediately. I have been fighting with the Bureaus and nothing. Also the bankryptcy does not suppose to report and this is from a 3rd Party. I spoke with my attorney and they stated I can sue!
Product: Credit reporting or other personal consumer reports

iam a victim of identity theft i found a few accounts that i dont recognise and XXXX  loans and ive never been to school my credit is harmed and they violated my privacy and ruined my credit and this is illegal i contacted my lawyer and he said we need proof and they never sent me contracts and signatures this is illegal and as of 15 U.S Code 1692g validation of debts and improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, a creditor man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose i contacted all of them and never sent me anything XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX XXXX XXXX ( XXXX ) is currently assisting the above referenced client to review a legal matter. 

We would like to bring a matter to your attention regarding the Keep You Home California ( " KYHC '' ), Reverse Mortgage Assistance Pilot Program ( " RevMAP '' ). As you know Reverse Mortgage Solutions Inc. ( " RMS '' ) has agreed to participate with this KYHC program. Please find the attached KYHC website printout which confirms that your company does in fact participate with the RevMAP program. Further, the KYHC website confirms that in order to be considered for the RevMAP program the customer must contact their servicer to initiate the application. 

That said, on XX/XX/XXXX, the client and I were in contact with both the RMS Customer Service Department and the Asset Management Department. Regrettably, our call was transferred several times and was disconnected. Finally after numerous attempts we spoke with XXXX which identified herself as a Single Point of Contact in the Asset Management Department. We requested that an application for the RevMAP program be initiated as was required. XXXX did not know anything about the program, and did not escalate the matter to a supervisor. XXXX advised the client and I that we needed to initiate the process with KYHC. I note here that I have spoken with KYHC and they confirmed that the application for RevMAP must be initiated by the servicer. After speaking with KYHC we again were in contact with XXXX, and spoke with XXXX who informed us that we needed to contact XXXX XXXX in order for the application to be considered. XXXX then attempted to transfer the call to XXXX XXXX but instead disconnected the call. 

Please let this letter serve as a written request to initiate the RevMap Program application for my client. The XXXX request that you provide a list of documents that will be required for the application to be considered. Enclosed you will find a request for mortgage assistance application and supporting documents typically provided for a mortgage assistance application. If any further documentation is needed please contact the client or I directly at the below telephone number. 
The XXXX request that the Foreclosure process be cancelled or postponed to allow this review to be complete, and to avoid any and all duel tracking on the loan.
Product: Debt collection

I believe someone used my social security number to pay a bill that I did not pay and was fully unaware of. I have never check my credit score but when I did XXXX XXXX said there was an unresolved payment that was on my reports which brought my credit score down.
Product: Debt collection

This creditor continue to send XXXX  that they verified the account as accurate. Where are these supporting documents I want to see the documents they are using to verify these fraud accounts as belonging to me? This accounts do not belong to me and I had already placed a fraud alert on my credit report. XXXX and XXXX  have removed these fraud accounts and XXXX  continue to investigate with out showing me valid documentation from the investigation. From my understandin you are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct If you do not have valid documentation by law you can't file such collections on my report. 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. ( With Valid documentation )