23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

During a XX/XX/XXXX phone conversation, an HP Sears employee claimed that I owed {$630.00} to XXXX XXXX for XXXX services rendered in XXXX of XXXX, which is an error. Without confirming the facts, The HP Sears employee threatened me by saying that HP Sears was going to place this claimed amount for ( act # XXXX ) on my credit report and that it would reflect negatively on my credit history. 
On XXXX at XXXX XXXX, XXXX XXXX  Charged me {$630.00} for the services and this was amount was paid in full via my XXXX Credit Card ( see attached XXXX  invoice ). The attached receipt shows this charge, the payment, and a {$0.00} balance after the payment was made. I do not owe XXXX XXXX the said amount, that is an error.
Product: Credit reporting or other personal consumer reports

After pulling my three credit reports i see a lot of incorrect information. Also, it appears someone has used my info which has created identity theft. I want to have all negative information, fake addresses where I never lived and wrong phone numbers listed remove from my Equifax, XXXX and XXXX reports.
Product: Consumer Loan

Finance company reposed my car claiming my payment was {$70.00} short now I must pay tow fees of {$250.00} this is after being told by their employee in XX/XX/XXXX that I only needed to pay $ XXXXthen and another XXXX which I did because I was late with the payment by 3 days. Now when I call back speaking with XXXX different employees ( XXXX, XXXX, XXXX ) I get XXXX different amounts that I need to pay to get my car back. When I ask for it in writing because of the different amounts they do not send anything in writing.
Product: Credit reporting or other personal consumer reports

This is my NUMBEROUS attempt to notify you that I am a victim of identity theft and that I would like to inquire about certain entries in my documents that have formed as a result of the wrongdoing. The documents under consideration have nothing to do with any transactions involving products, services, or money that I have made or approved. Assuming no one cares, please erase any information in my credit record obtained through claimed fraud or extortion. 
XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit card or prepaid card

Case Number : XXXX On XX/XX/XXXX the purchase was made using Capital One Credit Card. As the product was never delivered I contacted Capital One and filed complaint. Later I received the message from Capital One that the purchase was valid regardless of the lack of the proof of delivery ( the received one did not specify house address, and it did not match the specifics of the delivery ). In the same message Capital One asked to answer if their decision was not accepted. On XX/XX/2002 the letter was sent to Capital One ( see attached ). As of XX/XX/XXXX no response was received from the Capital One regarding this matter.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights XXXX 

15 U.S.C 1681 section 602 A. States 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 USC 1681c. ( aX5 ) 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 ( AX ( 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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Wells Fargo bank in XXXX tx .. date XX/XX/19 time XXXX : XXXX transaction # XXXX teller : : XXXX accepted a money order for XXXX $ $ from XXXX. food store that is 50 yards away.. the teller said that by 48hours for sure. The money would be available for spending by the account holder.. that never happened..then on XX/XX/19 .. the money order was cashed ... XXXX   XXXX  money order department.. vertify this in a phone conversation..they claim the money was being held for vertification ... .up to this day they have not done their job duty function of care to a client.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXXXXXX have 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 an account without my written instructions.
Product: Vehicle loan or lease

My car was repossessed, the company says I havent paid since XXXX. Even though I have receipts stating that I paid everything that is owed. The company says I am unable to speak with anyone on a supervisory level, and they also stated that I cant show proof of my payments & that they are only going by what their computer says.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my consumer report and was very upset to see items that are a result of identity theft. I did not provide written authorization or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX 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: 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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: Payday loan, title loan, or personal loan

Last fall, I moved to a new house and didn't have my own mattress. I was looking for a cheap mattress and I found out that XXXXXXXX XXXX XXXXXXXX in XXXX XXXX, Iowa sell a mattress at low prices. I saw the Adversite and it said they sell queen mattresses starting at {$150.00}. I thought that was cheap. On XX/XX/XXXX, I decided to see the mattress in the store. They didn't have a mattress with the brand that I wanted which is called XXXX. I was kind of pressured to buy a queen mattress there so I bought one that cost me {$900.00} and I decided to pay through installment loan until XX/XX/2023. That date is the early purchase option deadline. I had to pay off {$900.00} by XX/XX/2023, or I'll have to pay double. 

I tried to pay it off before XX/XX/2023. I paid the full amount left off before the deadline. But somehow, this situation messed it up. Between around that time, I paid it off. I got the email that someone tried to use my card at XXXX which isn't in my town so I knew it wasn't me. So I called the bank about it and they suggested I get a new card number. So I did. Somehow, once they canceled my card and ordered a new card. It automatically canceled the payment I paid for the mattress loan. 

I didn't think about it until later. I checked the loan they said I still owe them money and they continue to take my money off from my balance. I was very stressed at that time because I didn't have enough money to keep paying for it and I couldn't ask anyone to help me pay for it. Because I also pay for my own car monthly. My car monthly was around {$500.00} a month. 
So I called the loan company which is Koafafi. They were pretty rude and I was upset, I tried my best to explain my situation. They said they couldn't do anything about it. They said it was my fault that it was canceled and I didn't change my card information. They told me I didn't pay on time, but I did. They said I still need to pay them the rest amount. I told them I couldn't afford that time and I was struggling mentally and financially. 

A few months ago and this month, I called the XXXXXXXX XXXX XXXXXXXX customer service about it and they said they need my information like Full name, phone number, city and state, and email address and they will call me back soon. I tried and called them twice and they never call me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a copy of my identity theft report, I was inquiring in regards to purchasing a home in XXXX of 2018 and reviewed my credit to file accounts that were not for me, inquires and a address that did not belong to me. I had a fraud alert placed on the credit report, but the accounts have not been removed within the 5 business days, as stated in the FCRA terms. As set forth by the Federal governing body. This has harmed my ability to complete the purchase of my home and has cause major stress and a financial hardship for me. Due to the fact that it, effects my ability to get approved for a home loan, the payment and interest rate, in addition to the fact the the current market is on a upswing and the purchase price of homes are increasing and my ability to purchase a home and gain increased value from a equity position.
Product: Mortgage

On XX/XX/XXXX My fianc and I went to via XXXXXXXX XXXX XXXXXXXX XXXX  to purchase a property. Because my credit was stronger than his I was informed to put myself on the property and because there is no box to check for engaged, I was also suggested that I checked single. The only option were married, single or divorce. Nevertheless, XXXX and I continued the process toward getting the home. 
On XX/XX/XXXX XXXX and I broke up. I went to the XXXX home site on XX/XX/XXXX to Notify XXXX of what had transpired and that I wanted to cancel. She said no problem! All I had to do was write a letter because she had a waiting list and someone else is interested in the property. I did as she asked and a letter was produced to her on XX/XX/XXXX, explaining the circumstances as to why I was cancelling the purchase of the home ( see attached ). 
Nevertheless, the following week, XXXX informed me that my request was denied. I was surprised because she said the letter was sufficient! She said that XXXX will only allow me to transfer to another property. Moving forward I asked her to provide me with her boss information and after speaking with him ( XXXX XXXX ) it was evident that they were not letting me out and the only option in oorder to not lose my money, was to move forward with a transfer. 
During or around the first week of XXXX. I came across XXXX XXXX property. On Friday XX/XX/XXXX I gave XXXX from XXXX XXXX dollars toward transferring from one property to the next. I went out of the country the following day XX/XX/XXXX and ever since then it has been rush, rush, rush. Everything was rushed and they/XXXX always threatened me that I would lose my deposits. They would say Send us more money or lose your deposit. Signed these papers or lose your deposit I clearly spoke to her about my travels plans but it was not respected. I sent XXXX ( 2 ) XXXX deposits one on XX/XX/XXXX and the other on XX/XX/XXXX. They sent me papers to sign that I didnt sign because I did not understand them. I returned on XX/XX/XXXX and I was asked to sign more papers that I dont understand. Nevertheless, on XX/XX/XXXX ( a week later ) I did an inspection with XXXX inspector ( XXXX ). He found 100+ issues with the property and my independent inspection found over 150 issues wrong the property. What upsets me is that XXXX still want to close at the end of the week which means that I will be getting a rushed job and most likely items will not be properly fixed with the issued found. 
In addition to that, I have now discovered that my loan application has information on there that is not accurate. My income is incorrect and all of my debts are NOT included. I strongly believe and feel that XXXX is forcing me to go through with this deal and I dont think that I would truly qualify on my own despite my plea to them ... A lot of things were not done correctly and I think the loan process should stop and be further investigated by you guys. I think they are looking out for themselves and someone needs to look into this further.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, i called XXXXXXXX XXXX to make payment on the phone and the lady that attended to me told me she was having problem with her computer and she transfered me to the automated line to make payment. I made the payment. 
Few days after checking my statement, i realized the automated line didn't record my payment. 
XX/XX/XXXX, i received 30 day late payment on my credit. This mistake wouldn't have occured if their automated line recorded my payment that was made in XXXX. 
I would like XXXX XXXX  to delete this late payment registered on my credit for XXXX since the payment was made before XX/XX/XXXX but their automated payment line didn't record the payment made in XXXX. 
Your urgent response to this issue will be appreciated
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a Consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

There was fraudulent charge made on my card at a wireless store. I notified Barclay by phone 5 times emailed and faxed them over a 2 month period. I have been unknowingly paying for the charge for over a year because I have all cards set up on autopay and recently relized when my bank account was compromised and had to set up all accounts again on new account and realized I had two Barclays payments coming out. I am getting the run around and no help from Barclays!
Product: Payday loan, title loan, or personal loan

Received an email from XXXX on XX/XX/23 stating to look into my XXXX portfolio. I clicked on the link because I was wondering what was going on. I KNEW I didnt have a loan with them. After getting access to the account I saw some information was incorrect about myself and some was correct. I then tried deleting the account but was unable to and had to call a XXXX number. I have been on the phone twice with XXXX from XXXX today on reporting my account as fraudulent and both times have been put on hold then the call has dropped. Now, they wont even answer the phone. Its either a scam or the company as a whole is scamming people, but I dont appreciate my personal info floating around.
Product: Checking or savings account

On XX/XX/XXXX, I went to a Wells Fargo branch in XXXX at XXXX XXXX the time of the appointment I made. XXXX XXXX, tried to assist me with my request starting at about that time. What I wanted to do was to close a CD that matured on XX/XX/XXXX and have the funds transferred to my checking account. I was told previously over the telephone that this could not be done on-line nor over the telephone and I had to make an appointment to visit a branch in person to get it done. So I did. It took XXXX XXXX over 2 and half hours, called multiple departments within Wells Fargo to finally accomplish it for me. He was clearly frustrated and embarrassed enough such that his XXXX XXXX XXXX went off. 
I had multiple CDs coming to maturity in XX/XX/XXXX, XXXX, XXXX and another one in XXXX. 

When I invested in the CDs, it was easily accomplished on-line. I do not understand and refuse to accept that to discontinue the automatic renewal of the CDs, it could be done on-line, or over the phone, and I had to visit a branch in person on the date of maturity of each CD and this process could take 2.5 hours each time. 
I made an appointment to visit a branch on XX/XX/XXXX. But I also called Wells Fargo 24hour customer service number on XX/XX/XXXX. Passed to XXXX, her supervisor XXXX and eventually to her supervisor XXXX XXXX. He read the internal rules carefully and repeated some to me over the phone and concluded that my request to discontinue the automatic renewals of the CDs on maturity and have the funds transferred to my checking account at the bank poses no risk to the bank and he could approve it. I asked him to twice to make sure and told him I had made an appointment on XX/XX/XXXX and I would cancel it. He assured what I asked for will be done, there would be no need to visit a branch for each of the maturing CDs. I recorded the call finished at Pacific Time XXXXXXXX XXXX. on XX/XX/XXXX. 

On XX/XX/XXXX, I checked online. Apparently nothing was done. So I called the XXXX support number again. The first line banker XXXX told me to go to a branch, refused to pass me to his supervisor, eventually passed to a complaint department officer XXXX ( male ). After long conversations, XXXX also looked up internal rules and agreed that my request can be done over the phone, as along as I reached a senior enough officer in the first-line. In complaint department, they could not approve the request. Suggested I call the support number again next day. 
I called again on XX/XX/XXXX, was not able to reach any officer senior enough because it was a Sunday. 
I called again on XX/XX/XXXX starting at XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX. After multiple calls, speaking to different officers, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. It is concluded, as of now, XXXX XXXX XXXX XXXX that I will have to call back again to try to speak to an Executive Officer.
Product: Checking or savings account

It has come to my attention that my accounts were being managed by Navy Federal has been handled incorrectly, the accounts were closed without my permission on my behalf. the accounts were compromised and the insured credits for the accounts were stolen, 12 U.S. Code 1955 - Civil penalties I have since removed Navy Federal as power of attorney and XXXX XXXX over all the accounts associated with access number XXXX please review current XXXX filing with the IRS XXXX I have enclosed a letter of instruction, establishing a fiduciary relationship with the institution over all account receivables, as well as along with all necessary documentations to be processed with the IRS with the newly establish relationship.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX
Product: Student loan

On XX/XX/XXXX I attempted to contact Navient about removing some old late payments on credit report from XXXX while I was unemployed and was told no that nothing could be done because they were over 90 days old. I 've been in good standing since XXXX with payments and asked if there was anything at all they could suggest I do. The only option provided was to wait till XXXX to have it removed. It seems inaccurate to me that someone who was unemployed can not be assisted and especially after making payments on time for four years consistently.