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

I have been charged for a canceled product XXXXXXXX XXXX. I made an attempt to purchase multiple times in XXXX and all are canceled by the system. One purchase got succeeded on XX/XX/XXXX one time and made the payment for it. 
List of orders on this item 1. order -1 : XXXX on XX/XX/XXXX ( cancelled ) 2. order -2 : XXXX on XX/XX/XXXX ( cancelled ) 3. order -3 : XXXX on XX/XX/XXXX ( cancelled ) 4. order -4 : XXXX on XX/XX/XXXX ( cancelled ) 5. order -5 : XXXX on XX/XX/XXXX ( cancelled ) Order processed and payment also done. 
1. order -6 : XXXX on XX/XX/XXXX ( picked up at XXXX store ) An order canceled and changed : 4. order -4 : XXXX on XX/XX/XXXX ( cancelled ) charged on the card again on XX/XX/XXXX Amount : XXXX This transaction was disputed multiple times and the company didn't look into it properly and mentioned I am res [ responsible for the payment. 
the dispute happened multiple times because they don't want to reopen the old dispute. also, they advised me to close this dispute by mentioning it unknown charges so that they can close it and issue a new card. 

Thanks & regards
Product: Checking or savings account

On XXXX  XX/XX/XXXX, I sold an old car I have to someone from XXXX XXXX. 
The car is a XXXX XXXX XXXX. The buyer provided me a check with half of the selling price because the person was going to come the following day to pick up the car with a companion to take the car. 

The buyer gave me a check with half of the total amount. That check in the amount of {$1200.00} was deposited into my checking bank account Capital One 360 on XXXX  XX/XX/XXXX. 
Because I submitted it after XXXX p.m. XXXX, the check was processed the next business day. 
The check was posted and available into my account on Friday, XX/XX/XXXX. 

On Friday, the buyer of the car told me that they were not going to be able to transfer the title into her name now. The buyer asked me to transfer the money back to her via XXXX, as she was not going to get the car anymore. The money was sent back to the individual name as the check. 

On Monday, XX/XX/XXXX, the bank said that the check was reversed and my bank account has been restricted until further investigation. I called the bank right away and explained the entire situation. They tried to contact the buyer and they found out that the buyers bank put a stop to the check. 

Capital One informed me that they have decided to close my Checking and Savings account. 
Instead of investigating and making sure that I am covered and protected as I am a long-time customer, since XXXX, they decided to close my account due to an error on their operations. If the buyers financial institution still had the power to revert the funds, they should not have cleared the funds on my end. The representative that treated the case was not even trying to find out what happened, her attitude was more like she was tired of dealing with this case.
Product: Mortgage

I have been more than proactive in discussing options for my mortgage with the company. I was advised several times that my loan was placed into a forbearance for 90 days and after the period is up i would need to " resume payments '' I specifically asked if I would need to pay the back payments at once after the 90 days because that's not something that I could do and they said absolutely not they wouldn't do something like that. I received the letter in the mail confirming my agreement and nowhere in there does it say i need to pay the amount for the 90 days all at once either and now i get a statement in the mail saying my past due amount. I called the mortgage company and they now say once my forbearance is over i need to pay all 90 days worth of payments to avoid being behind. At no point did they mention this to be before. They said the " loss mitigation department '' will reach out to me and either see if they can extend the forbearance, offer some sort of payment plan or tell me its all due. I told them i dont wan na wait another month I need repayment options now but they are refusing to offer me any options other that pay the last 90 days of payments in XXXX. I am trying to be proactive in all of this by working out an agreement so it doesnt go delinquent but they have no plan right now, I have an FHA loan and the CARES act states they should work with me but they are not working with me. I would like to resume payments now but i don't want to pay anything until I know what is going to happen. I asked about deferment and they said this plan isnt a deferment its a forbearance but nowhere does it say that it needs to all be paid back at the end. I really just want them to defer the last 2 months to the end and resume as normal but " nobody knows the options that will be available next month '' so they arent working with me.
Product: Checking or savings account

I am a new company that receives a ton of payments via credit card at the beginning of the month. PNC Bank is holding my money from credit card transactions and not releasing the funds. They finally sent me a notice after 30 days that they were holding about $ XXXX of my money to determine if it was fraudulent. Since then I have found they are holding at LEAST {$50.00} XXXX of my money. They sent me no other notifications about the money they are holding. I had to reach out to the VP of merchant services who told me they would look into it. I am getting nowhere. Merchant services are through XXXX and they have contacted me and said they are doing a " level XXXX evaluation '' of my account because I am a new business that is doing over $ XXXX a year in transactions. They will not tell me when the " evaluation '' will be done and they will not release my money. They claim that I signed an agreement that allows them to do this. They will not send me the agreement, they will not send me a summary of the funds they are holding and they will not tell me when they will be released. I tried creating a logging into the business merchant account and in order to sign into THAT I have to agree to not hold them liable for loss of funds. The ones I KNOW that haven't been released were processed on XXXX XXXX for a total amount of {$40000.00}. I know there are more. I am going to have to cross reference my invoices to the amounts processed in my bank to find the exact amounts and transactions because they will not supply me a list of what they are holding.
Product: Credit reporting or other personal consumer reports

I do not recognize these credit inquiries and asked the bureaus to remove them, but they did not comply with my request. In confirmation, I provide a report of identity theft, which I will attach to this letter. Here is a list of credit requests that I do not approve : 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple times I have attempted to have erroneous names and addresses remeved from my credit report and Experian refuces to comply. I have sent copies of my Driver 's license, Social Security number, passport, current electric bill, and credit card statement. Their " investigation '' continues to yield that the information is correct when it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Case Number XXXX With Transunion concerning Child Support Listed as an other loan and an open account.

The account ive paid the original amount off. They are still listing it as a other type of loan on my credit? But list the debt as XXXX? Then a XXXX balance.

Incorrect Information.

They report my payments in good standing but havent removed.

Its harmful and inaccurate to list child support as a loan? Its not a loan.

Listing what u pay like you build credit from it shouldnt be available. Because it doesnt build credit anymore than a utility bill?

An it has been harmful in my life becuase its stopped me from purchasing a home and a car.

They have denied me due to the debt.

Transunion said twice they would remove and has failed to change it.

While XXXX and XXXX  have removed.

If i could sue them i would because they keep telling me they fixed it?

Its fustrating to be held back in life from credit reporting bureas that report incorrect information.
Product: Mortgage

I applied for a conventional mortgage with the US National Bank. I got a loan estimate for 4.375 %. I requested the loan agent to lock the rate. She said their computer system/underwriters are not allowing to lock the rate. They delayed the process and waited for the interest rates to go up and eventually locked the loan at 5 %
Product: Credit reporting or other personal consumer reports

In care of XXXX XXXX Dear sir : this is getting to be unacceptable. I have made complaints to this department that don't go anywhere My complaints are bused in the law, yet they continue to be ignored. Once again I will be quoting law. 

Improper use of my Credit Report Equifax is obligated by the FRCA to report accurate accounting, as the consumer I have advise that all the inquires reported was fraud. Said company 4 days according to law to remove such items FTC fraud report was file on behalf of myself the consumer. I the consumer is now requesting Equifax to provide the documentation used to determine inquiries was indeed authorized by myself the consumer. Equifax has 15 days to provide me with the name of the person spoken to. documentation used, signed application with consumer wet ink signature. The consumer being myself is not asking for an e-Oscar report. If Equifax does not provide me with the documentation to show these inquiries were authorized by me the consumer, it must be removed asap. Said company is liable under SEC to follow certain rules. Equifax Commision file # XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX XXXX I will be filing form 211 treasury omb from to audit consumer or my account. Equifax is securitizing consumers data yet refuses to provide consumer a copy of their Consumer File Not Consumer Report.
Product: Student loan

After viewing a copy of my credit report and after receiving many unwanted calls and attempts, I noticed a collection account and late paymentplaced on my credit report from you in 2024. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding Student Loan that I possess, and I am seeking the name and provider to which I owe the debt and a detailed breakdown of the fees that I owe. 
Additionally, I am allowed under the to protect my privacy and credit records from third parties. I did not give permission to any of my current or prior student loan and school providers to release any of my information to a third party. I am aware that the violation does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt. Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. Please send this information to my address listed above and accept this letter, sent certified mail and via the consumer financial protection bureau, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it ; is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I recieved a 1099-C ( Cancellation of Debt ) for the following charged off account listed below. After checking my most current report on XXXX and XXXX the updated information stated this account was still being reported. The account can not be reported as a charge off on my credit report. PLEASE CEASE THE REPORTING AND DELETE THIS BARCLAY ACCTS # XXXX BOTH ACCTS ARE STILL BEING REPORTED i'M ATTACHING 1099C AND XXXX AND XXXX REPORTING
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 13th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

This is not my debt and the documentation provided does not at all validate the amount they are attempting to collect from me. I received a letter from Portfolio Recovery Associates claiming that I owe a debt associated with this account they claim is mine. In response, I promptly mailed PRA a letter requesting XXXX debt validation. I never received response from PRA in response to my XXXX request, or did they respond to requests regarding other debts they claim I owe. In researching this company, it seems to be a common complaint that debt validation requests are not responded to. Despite not responding to my timely debt validation request, they continued to make collection efforts, including reporting this non-validated debt to all three credit bureaus, which they are not allowed to do without proper validation/response to my timely XXXX request. I recently disputed this with XXXX. In response, PRA responded to them with their claim that this debt is valid. They then mailed me a statement they claim is from this account from XX/XX/2016, which has a dramatically different amount than what they are claiming that I owe, the amount on the statement is {$110.00} yet PRA is reporting {$470.00} and there is no explanation let alone proof as to the accuracy of that amount or their collection authority over this account, or a cardholder agreement, etc. i do not have this account on my credit report, so I believe the original creditor does not feel I owe this delinquent debt. It is my further understanding that both CFPB and the DFPI have investigated and filed lawsuits due to this company attempting to collect invalid, inaccurate debts, and sometimes fraudulent debts. To be clear, I am not acknowledging that this debt is mine, I am simply asking for assistance in getting this invalid inaccurate account removed from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX  Account # XXXX has violated my rights. 



15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 

The disputer letters were sent on XX/XX/2024 and nothing was removed and no follow-up letters were sent to me as well XXXX. Identity Theft XXXX XXXXXXXX Account Number : XXXX XX/XX/2024 This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. The following account is not mine XXXX Account XXXX : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The listed inquiries are not authorized by me and I would like removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I paid ott the debt collection for XXXX from Enhanced Recovery please update the status
Product: Credit reporting or other personal consumer reports

i have been battleing identity theft and human trafficking matters within the last XXXX years it has been a complete nightmare for me especially with whoem ever did this to me, stolen my identity to open fruadulant accounts in my name as if it was me, i have been trying to remove this account from XXXX XXXX XXXXXXXX for over XXXX year now that was opened in my name fraudulantly. XXXX XXXX XXXXXXXX account number XXXX opened in XX/XX/year> for the amount of {$900.00}. please refrence code XXXX c in order to block this account from reporting on my report.
Product: Debt collection

I'm disputing fraudulent accounts on my credit report due to identity theft. The creditors, XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX, agreed to remove them because of their fraudulent nature. Please take immediate action to remove these accounts, as failure to do so puts me at risk, and I'll take legal action if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like Equifax to remove an invalid inquiry from XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX in regards to XXXX  XXXX XXXX in XXXX XXXX XXXX on evidence provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2020, I disputed a unverified collection item, XXXX, XXXX Account number XXXX, with this credit bureau and as of today, I have not received any response from them. Also In the Dispute letter I included the proper documentation to have the investigation started I also sent a 30-day non-response dispute letter to this bureau in XXXX of 2020 and I have not received any contact back about my dispute. I'm contacting the CFPB to help me with this issue to remove thisUnverified collection item because of the Fair Credit Reporting Act that states 30 days of investigation response and the item should have been deleted or verified. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Some accounts were brought to my attention when I got my credit ran to see if I pre-qualified for an auto loan ; The accounts are from these companies XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and US BKPT CT CA XXXX. None of these accounts belongs to me and I am not affiliated to any of these companies in any way. I did not allow anyone else to open these accounts in my name and I did not benefit anything from these accounts nor did I contribute to any payments made ; I do not have any written/verbal contract with any of these companies and I never gave them permission to access my credit information. I have filed already filed a police report regarding these accounts.
Product: Credit reporting or other personal consumer reports

I previously had an auto loan with XXXX XXXX XXXX XXXX however, the vehicle was totaled and paid off by XXXX XXXX insurance company. This account currently shows on my credit report as Charged Off Purchased by Another Lender however the new lender does not appear on my credit report ( XXXX XXXX XXXX XXXX still appears as the creditor, even though the remarks on my credit report state that it has been sold ). Additionally I did not receive a 1099-C from XXXX XXXX even though they have charged off the alleged debt. In accordance with the Fair Credit and Reporting Act ( F.C.R.A. ) XXXX XXXX XXXX XXXX has violated my rights under 15 U.S. Code 1681 s-2 which states that creditors and/or the banking industry are required to accurately report on consumer credit reports.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX  Was payment Transactions refunded ID XXXX for XXXX  everytime I contact yall support yall cant help me because I dont remember the payment email I used please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been notified by the US Court Bankruptcy was filed and all the accounts listed were included in discharge- Experian has XXXX accounts still open and not closed and XXXX out as the law requires. 
They sent a email saying the are updating nothing it remains/ this is illegal- clearly they were all informed
Product: Credit reporting, credit repair services, or other personal consumer reports

One account on my credit profile continues to show incorrect status & account balance. 

XXXX XXXX - XXXX