23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I received a letter in the mail in XXXX of 2023 that stated that my loans were forgiven and that I had over paid by XXXX payments. I called Mohela to confirm this and was told that my loans were forgiven and that I would be getting a check for the overpayment. I then heard nothing and have not received a check. I called multiple times. I have been hung up on XXXX. The XXXX  time in XXXX I spoke with someone who told me that they didn't give refunds anymore. I told her this is from last year and she said that I should receive a check. I don't believe any of it and would just like my money refunded.
Product: Debt collection

LVNV Funding sold my previous credit card debt to another company and is still reporting on my credit report stati ng that I owe them. I have disputed this several times and it was removed. This company continues to report this debt to my credit causing my score to decrease
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never had business with this company, I have contacted the company.I learned this a mortage company, I have never had any dealings with this mortage company.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I noticed that there are two or more late payments recorded for accounts on which I have never been late. Consumer Reporting Agencies play a crucial role and have a responsibility to report consumer information with maximum accuracy. I have always made timely payments for this account. [ XXXX ] : [ XXXX ] Please investigate this matter and provide statements proving these payments were late. If proof can not be provided, I request that these payments be updated to reflect their accurate, on-time status as I was never late. 

Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a dispute with Experian. On XXXX XXXX I received an email stating that my dispute had been updated and would be able to view the results ( Report number being XXXX ) Upon checking I realized that some accounts had been removed others had came back as verified.I sent over a letter via certified mail with tracking number being ( XXXX ) which had been delivered as of XX/XX/XXXX, at XXXX to XXXX, TX. 

I asked Experian to verify XXXX XXXX ( account number XXXX ) pursuant to 1681i ( 7 ) Description of the reinvestigation procedures. A consumer reporting agency shall provide to a consumer a description reffered to in a paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
Product: Credit card

The following disputes require further review by a government agency. 

CitiBank disputes : XXXX - {$440.00} XXXX {$130.00} XXXX {$320.00} Dispute XXXX was resolved in my favor, the above disputes were raised for the exact same reason but for some reason they are being treated differently ; for some reason Citi keeps asking me to go back to the merchant to resolve an issue I already tried to resolve with the merchant. I would not be raising the dispute if the merchant was adhering to the policy stated in customer service chat. 

Here are the in depth details. 

I raised multiple disputes for charges with a merchant called XXXX XXXX XXXX XXXX citing they are refusing return of many items that were eligible for return. 

Dispute was raised because I asked the merchants customer service chat system if I was allowed to return sale items. In the chat the merchant customer service responded yes that I could return sale items. 

I have screenshots of that chat confirming all sale items could be returned. 

I proceeded to make many purchases on this website based on the ability to return sale items. 

Upon receipt of goods when I tried to return the items that did not fit, the merchant cited some sale items could not be returned which was not what was explained to me at the onset PRIOR to purchasing. 

At the point of purchase, and at the final purchase window FINAL SALE was nowhere to be found. 

After reaching out to the merchant and trying to resolve it with them directly ; the merchant said some items could not be returned. 

After merchant refused return, I called CITIbank customer service and explained the issue. The Citi agent told me to raise disputes for all orders where the refusal of return was taking place, and keep the items they would not let me return until the dispute was resolved. The CITI agent told me to keep the items that were not allowed to be returned, file disputes and ship back what was allowed to be returned. 

So I followed the direction of the Citi agent. 

I raised the disputes and now CITI is asking me for proof of return, which is counter to what th agent told me, I returned the items eligible for return and raised disputes for the items that the merchant refused although I have in writing from the merchant that ALL items were eligible for return. 

Citi is asking me to go back to the merchant and resolve something I tried to already resolve ; thus Citi is not making the concerted effort to resolve the problem. 

I still have the items the merchant refused to allow me to ship back and will ship them back when I am able to generate a return label, and the merchant gives me a Prepaid label that I do not have to pay for.
Product: Debt collection

This agency is in clear violation of my consumer rights. Specifically, you have failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ), yet you have reported a collection account on my consumer report. Additionally, your actions demonstrate the use of false, misleading, and deceptive practices, which further infringe upon my rights as a consumer.

I have made previous attempts to address these issues directly with your company, but you continue to disregard my rights. For every violation outlined, I am entitled to {$1000.00} in statutory damages. You must either immediately remove these accounts from my consumer report or compensate me accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Credit Inquiries : On XX/XX/XXXX, there was an unauthorized inquiry by XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX and XXXX made unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all made unauthorized inquiries on XX/XX/XXXX. 
XXXX made an unauthorized inquiry on XX/XX/XXXX. 
XXXX, XXXX XXXX XXXX, XXXX, XXXX, and XXXX XXXX XXXXXXXX made unauthorized inquiries on XX/XX/XXXX. 
Several other unauthorized inquiries were made in XX/XX/XXXX by entities such as XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX made an unauthorized inquiry on XX/XX/XXXX. 
Account Validation Requests : I am requesting validation for an account with XXXX, with a partial account number ending in XXXX 
I am also seeking validation for an account with XXXX XXXX, with a partial account number ending in XXXX 
Additionally, I am requesting validation for an account with XXXX XXXXXXXX, with a partial account number ending in XXXX 
I believe I am a victim of identity theft, as many of these inquiries and account associations do not accurately reflect any transactions or authorizations I have made.

Previous Attempts to Resolve : I have proactively attempted to address these discrepancies by sending letters via certified mail to the respective companies detailing these issues. However, despite ensuring they received my letters, I have not received any responses or corrections within the 30-day timeframe as mandated. 

I am now seeking the CFPB 's assistance in facilitating a thorough investigation into these matters and ensuring appropriate corrections to my credit report.
Product: Mortgage

XXXX LOAN # XXXX BORROWER : XXXX XXXX  ( XXXX ) PROPERTY ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX   Previous CFPB complaint no. XXXX I received the attached denial notice from Rushmore today. I am going to escalate this with another CFPB complaint in addition to the attorney general. Rushmores opinion of fair market value is not cohesive with the facts which we provided to demonstrate the true fair value of the subject property. Failure to lower the value expectations is going to cause a foreclosure when there was a viable alternative available via a short sale and consideration of the offer we submitted that is fairly priced based on current market conditions. I ask this be escalated further because the documentation I have submitted to support my argument is clearly not being thoroughly reviewed for consideration. Thank you for your assistance.

Respectfully, XXXX XXXX Loss Mitigation Manager/ Legal Assistant P : XXXX F : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I was applying to get a beginner credit card with the soul intention to start building my credit from Capital one, it was a recommended card to start building credit by raising my credit score and opening another line of credit. I was unapproved and they put a hard inquiry on my score which dropped it by 17 points on XX/XX/2019 within minutes. I feel this is not goodwill or business model. I simply want to have a good future and Secure a good credit score.
Product: Credit card

I have been XXXX due to illness for XXXX years. One of the side effects is XXXX. I have damaged my teeth by XXXX XXXX. NO XXXX DENTISTS accept my insurance as I am an adult. I was due to have XXXX at the XXXX XXXX XXXX for a complete XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX was unable to XXXX  due to the potential for harm. I went to a local dentist who said it would be XXXX,. They offered to run my credit through Care Credit and was approved for {$1800.00}. I declined and my mother paid in advance. Recently I have been attempting to go to back to work and restart my business. As I am on a fixed income, my future projections were not considered. My credit score is good. But due to limited income, they ran the credit which was good, but showed a high debt to income. When I received the report I saw that Care Credi released 86 % of the credit and shows I am delinquent. I have never used this and owe no money to them. It dropped my credit score from XXXX to XXXX, And I was denied. I am being discriminated against, to access my rightful credit. I have shown I am able to make the payments as pay no living expenses except for my phone, and XXXX loan, which I am about done paying for, and I have always been always on time. I also have a XXXX credit card for auto repair. It initially was XXXX and always on time, and double the amount. My student loans are paid. The negative medical bills were eradicated as it was due to improper billing.
Product: Debt collection

This involves my PayPal account. 

Funds we're paid into my account by someone. 

Once the funds cleared my PayPal I sent funds to someone else These funds had cleared and were already deposited into my PayPal. 

Approximately one week later this person fraudulently filed a false complaint with thier Bank stating it was an unauthorized transaction. 
PayPal refunded the {$2000.00} to them and is now wanting me to pay the {$2000.00}. 

I dont feel I should not be liable because PayPal had to refund the money due to bank laws and regulations. 

The funds had already cleared my PayPal. 
The funds were in my PayPal account for several days. 

My PayPal account has been in the negative for {$2000.00} for several months and they have contacted me repeatedly to pay it. 
I have explained to PAYPAL SUPPORT what happened and that this was a false report. 
I have also called this person 's bank and filed a dispute regarding thier false claim. 

PAYPAL wants me to pay the {$2000.00} and don't care that this was a false complaint. 
PayPal is threatening to report this as a collection on my credit. 
PayPal also has access to all my bank accounts and I am afraid that they will withdrawal this from my bank or freeze my bank accounts. 

I really don't feel this is legal. 
Once funds are deposited to your PayPal account by someone if PayPal has to refund them. 
PayPal should be liable.
Product: Bank account or service

I signed up for the checking account promotion for the performance select checking where I should have received a bonus for meeting certain requirements within 60 days of opening the account. I was told by the branch person, XXXX XXXX, that if I direct deposit {$2500.00} I 'd get {$200.00} and if I did {$5000.00} I 'd get {$300.00}. Within the 60 days I direct deposited {$2500.00} but did not receive a bonus in my checking account, which is now six months old. Reading the fine print again, if I did n't deposit {$5000.00} in the product type that the person opened for me, then I get nothing. That is not at all how it was explained to me in person, which was completely misleading. They should have put me in the right product, not what is best for her or the bank 's stats.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to them about this hard inquiry I haven't made ive send everything they asked me to send via mail and fax I still got a proper response
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied Barclays cards for XXXX shop but they rejected me with out any check or any control immediately and I lose my credit score This is not fare they did not check anything my current income or others.. I am complaining about Barclays Credit cards.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN
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 XXXXXXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00} Late/Closed Inquiries in Dispute : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$360000.00} Late/Open XXXX XXXX  XXXX XX/XX/XXXX Balance : {$910000.00} Late/Open XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$650000.00} XXXX XXXX XXXXXXXX XX/XX/XXXX Balance : {$670000.00} Late/Open XXXX XXXX XXXX  XXXX XX/XX/XXXX Balance XXXX {$90000.00} Late/Open
Product: Credit reporting or other personal consumer reports

I was shocked to find inaccurate accounts suddenly appearing on my credit report this afternoon. I have no idea how they got there. Ive routinely checked my report, and never have I seen such unexpected errors. I even refreshed my browser, hoping it might be a glitch, but nothing changed. These inaccurate entries remained, despite my efforts. Im deeply concerned and urgently ask for the documents Ive sent to be reviewed closely, so I wont have to deal with this worry again.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dispute Department Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear XXXX XXXX Department, I am writing to formally dispute inaccurate information that remains on my credit report despite my previous disputes filed with your agency. The continued presence of this inaccurate information is a violation of your obligations under the Fair Credit Reporting Act ( FCRA ). 


Furthermore, I am a victim of the Date Breach. I wish to highlight the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX ( Case No. XXXX ), which underscores the necessity for credit reporting agencies to fully comply with their legal obligations regarding the accuracy and timely correction of consumer credit reports. 


I have enclosed the following documents to support my dispute : XXXX. A copy of the disputed items highlighted on my credit report.

2. Supporting documentation validating my claims.

I kindly request that you reinvestigate the disputed information, provide me with a detailed response, and remove or correct the inaccuracies on my credit report. Please provide written confirmation of the actions taken. 

Thank you for your prompt attention to this matter. I trust you will address my dispute in accordance with your legal obligations under the FCRA. 



Sincerely, [ XXXX ] [ XXXX ] [ XXXX ] Enclosures : Screenshot of the Date Breach Screenshots of credit report with disputed items highlighted Copy of the Complaint Supporting documentation Let me know if youd like further adjustments!
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX BANK NA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these accounts ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that Experian have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated and removed from my credit profile for illegal proof of payment and high credit amount reporting inaccurate information. 

Account XXXX XXXX XXXX I respectfully request proof of the late payments. This is an illegal proof of payment. Please provide proof of bank statements, receipts proving payments were late. Why is high credit reporting XXXX XXXX it should state XXXX XXXX not XXXX XXXX Where is the proof? 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit report. 


Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. I will sue your company for failing to report inaccurate information and damages caused by your company! You are in violation continuing to report! 

In this complaint accompanies a copy of my current credit report showing proof of the inaccuracies reporting on my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute  XXXX    XXXX    XXXX   XXXX  on credit report number  XXXX . The account status and high credit is incorrect. Please delete the account.     Please attached credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, almost over a year later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit card

This is regarding American Express chargeback dispute XXXX and I already provided American Express with the return tracking which shows the merchant signed for the return and received it. 

I am not sure if American Express chargeback team is being incompetent here or just XXXX against me because I am XXXX and this XXXX and I am disputing with is run by XXXX males. The issue is that I RETURNED the damaged product I received. First off I shouldnt have to pay for a product that arrived damaged. Second off I RETURNED it right back to the merchants address. The merchant have me many options to return including dropping it off at one of their satellite / other local stores etc. I paid for my own return shipping and had it returned to the merchants store address and XXXX tracking shows it was signed for by the store itself so there is NO dispute the store has it back. The store has lost the return since its been almost a month since it was delivered to them returned to them. I am owed my full money back for this order. 

This is regarding American Express chargeback dispute XXXX and I already provided American Express with the return tracking which shows the merchant signed for the return and received it. I also provided the return label which shows the merchant address was where it was shipped back to. I am owed my full money back for this return of the damaged product.