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

I bought a watch on XXXX  that was supposed to look like a XXXX  but with no branding. It was supposed to be two watches. I received the package from some random country in the XXXX XXXX. It contained only ONE ( 1 ) watch, which was a poor, cheap, extremley bad XXXX  branded replica watch. In the listing it stated a model for i guess a replica watch, which if you look up the model name " XXXX XXXX '' you can see it is a very high end, very authentic looking XXXX  branded replica which i did not know til AFTER this whole ordeal. I provided all this proof that i only received one watch, a poor replica, even sent this comparison pictures of the products and discover still went against me. 

ANYONE with two eyes and a brain can see these are NOT the same watches, i was duped, scammed, defrauded, any other word for a scam! These are NOT the same watches, i paid for a XXXX  XXXX, either way i did not knowingly buy a replica watch. I ordered two and received one. 

In the end, i filed a complaint with ebay, they voted in my favor and have the email but they banned me from ebay/paypal and while they told me i was refunded or would be refunded i never was. When i called them they proceeded to tell me they had issue in their system to refund my to my DISCOVER card and they themselves told me to dispute the charge and i would be refunded no problem. 

CLEARLY these is a problem, the seller sent a letter to XXXX saying a " XXXX  XXXX '' is not a replica XXXX  when a simple XXXX search clearly shows it is, as well as the proof ive provided. 

the seller one sent me ONE ( 1 ) watch when i ordered TWO ( 2 ) watches. So even if Discover were  to want to scam me, i should only be charged 50 % of the total amount. 

DISCOVER has been trying to scam me for months, i have provided undisputable proof of the charge not being valid and that i should be refunded in full. I provided email of ebay awarding my refund to my discover that DISCOVER themselves asked for, now they are ignoring it when for months thats what they requested. Now they are attempting to take money from me over a cheap, counterfeit XXXX. I will forward this complaint to XXXX themselves in hopes they take a stand against Discover since they are allowing customers to get scammed by the worst looking replica XXXX  watch on the market, this is {$5.00} watch in a back alley and not the $ 500+ replica i was told i would even get when i did NOT know i was ordering a XXXX replica.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I submitted letters to each credit bureaus, XXXX, XXXX, Equifax stating that there were accounts/items on my credit report and that I was a victim of Identity Theft. I explained that there are accounts on my credit report that were not authorized by me. On XX/XX/2022, we sent letter certified to each credit bureaus, XXXX, XXXX, Equifax stating the same thing again. In all the case that we sent letters to all three credit bureaus they came back validated. I have sent out copies of the police report that was filed with the state police XXXX. I submitted all the documents request from the credit bureaus and still nothing.
Product: Credit reporting or other personal consumer reports

I have sent a letter on the XXXX XXXX XXXX to all 3 credit bureaus and included actions that were required by the credit bureaus to provide a more accurate consumer report. So they are in violation of the FCRA more specifically, 15 USC 1681a, 15 USC 1681b, 15 USC 1681c ,15 USC 1681 ( 2 ) ( A ) ( i ), and lastly 15 USC 1681n as well as the Privacy Act section 4. I also gave them 5 business days from acceptance of the letter to cure the situation or else I would find them guilty of violating the FCRA and Privacy Act and invoke the willful noncompliance act that is listed in the letter.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit card or prepaid card

I have applied for a Capital One credit card and approved on XX/XX/2020.  I didnt get my card within the timeframe given to me, so I requested for a replacement card. I had 2 different calls at this time, requesting for it to be sent to my new address and requesting to expedite shipping as I am about to leave for a vacation. They told me thats not possible, even though my original card was not received within the time frame given. They also tried to downplay the situation, saying it can take longer than the time frame given. I patiently waited for them to deliver the new card, but finally decided to call in XX/XX/2020 to report that I still do not have the replacement card. I know they said that it can take longer than expected, but a month seems excessive. The representative then told me that he will expedite shipping for me ( originally not possible when I called a month before ). 
XXXX attempted delivery today and said they couldnt get in my apartment complex. They said I can pick it up at a XXXX location. I requested to pick it up at a different location, but was told that Capital One placed a hold on that option, so I would have to request Capital One to lift the hold so I can pick it up at the location of my choice. I called Capital One and spoke to an agent who said that picking it up at another location would not be secured. I asked to speak with a supervisor, who made a conference call with XXXX. We were both told that the sender would need to lift the restrictions for me to pick up my card at a different XXXX location. XXXX ( Capital One supervisor ) told me that she will place me on hold and when she returned on the line, told me theres nothing that they can do about it because their agreement with XXXX is just to deliver it at the address sent. She was with me on the line when XXXX said that the sender needs to lift the restrictions. I clarified with her that what shes saying is that once the card is sent, they do not have anything to do with it anymore. She replied, yes. 
Im not asking for my package to be sent to a new address. Just picked up at a different XXXX location. Their incompetence and unwillingness to assist me have made the situation much more frustrating. It shouldnt take over a month to receive a credit card and customers should never feel like we are on our own once the card has left their hands. This is a corporation that I should be able to trust with my business and personal information.
Product: Mortgage

This complaint is about the CARES Act, Corona Virus mortgage relief program. As I understand, if I have a federally backed loan, I can apply for forbearance for up to 180 days. I have a XXXX XXXX owned loan serviced by PNC Bank. I applied for forbearance due to my salary being reduced during this pandemic. I was told the only forbearance available was to delay my payments for 90 days, but that all previous three months payments would be due at the end of the 90 days. That's not much of a relief. 

I do not believe this is the proper response by PNC Bank and would like clarification on this matter. 

Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

Here 's the facts : 1. I have moved several times in the past XXXX  or so 2. I lost my phone number and didn't get a new one for several months 3. Apparently my password for their security freeze website doesn't work 4. I am attempting to get a car loan, but I can't because my credit is frozen ( because of the XXXX hack in 2015 ) Experian : 5. I attempted to recover the password online, however, the only option they provide is to send a text message, but they don't know my phone number and I don't have access to the old number. I still know the answers to my security questions, and I have the XXXX  they assigned me, but they are not using these. 

6. I attempted to recover the password via phone, however, they only option they provide is to verify my identity by SSN and address. I don't know which address they have on file, so I can't put in a correct number. I tried the last three addresses, but none worked. 

7. There is no option to talk to a person to sort this out.
Product: Mortgage

I am currently in bankruptcy. Yesterday, I received notification from XXXX XXXX that my mortgage company paid my annual homeowners premium. This is unusual as I have been paying my own premiums for years and have documentation to verify this. When I contacted Nationstar, they said it was part of my loan modification, a modification I have made or authorized which is verified by talking to the Bankruptcy dept. I ca n't get anywhere with getting the escrow removed. I have been approached by my mortgage company twice for a loan modification. On review by my bankruptcy attorney, I was advised not to do a loan modification as the terms Nationstar offered were not in my best interest. However, now they show I have agreed to a loan modification and they created an escrow account which now has accrued to XXXX that they say I owe, despite no written record of a loan modification. I never agreed to a modification and that amount is the difference between what I have been paying and the amount the modification would have been.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 XXXX, XXXX, Equifax violated by rights as a federally protected consumer. I have proof XXXX, XXXX, Equifax is in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave XXXX, XXXX, Equifax written consent to report any of my personal information. XXXX, XXXX, Equifax also violated 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. XXXX, XXXX, Equifax has stated they recived this information from the XXXX court house which is false. I spoke with the court house and they stated it is not there policy of the court to report to any credit agency.XXXX, XXXX, Equifax has harmed my reputation and oppress me from receiving services or good pursuant to 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or XXXX  any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:1 ) The use or threat of use of XXXX or other criminal means to harm the physical person, reputation, or property of any person
Product: Credit card or prepaid card

I purchased a prepaid debit card for {$100.00} from a grocery store a few months ago. The card was issued by US Bank. I made a purchase from a restaurant that was well below the {$100.00} limit on the card, {$56.00}. However, the bank approved the transaction for {$140.00}. Which made my balance negative, which makes no sense since this is a prepaid card without overdraft protection. 

I called U.S. Bank at the phone number they provided for disputing transactions. I informed the representative that I needed to dispute the amount of the transaction. She asked me if I had contacted the merchant first. I responded no. She said that I have to first dispute the transaction with the merchant. I replied that is contradictory to the disclosure provided to me by U.S. Bank which states that I should contact the bank in the event of an error with a transaction. The representative put me on hold while she spoke with a manager. She came back and said that her manager stated that I must first contact the merchant before I contact the bank with my dispute. I asked to speak with the manager and I went over this again and again. After almost an hour long process, the manager finally said so you would to go ahead and file a dispute? I said yes that is what I have telling you from the beginning. Then he transferred me to another department to finally file my dispute. 

U.S. Bank is not following their own disclosures or the law. They are attempting to turn as many people away as possible from filing disputes with them. Had I not been so persistent, I would not have been allowed to file my dispute. 

On XX/XX/2019, I received a letter from U S. Bank that they had provisionally credited my account in the amount of {$140.00}. The letter stated " You will have full use of these funds while we complete our investigation. '' I tried to use my card later that week and it was declined. I called U.S. Bank and they said that it was declined because my card was " deactivated '' due to the disputed transaction. I asked then if I could get a new card so I could " have full use '' of my funds. The representative stated that she could send me a card, but there was normally a fee of {$5.00} for a new card. However, she said she could waive the fee in my case. I received the card recently. However, the bank charged me {$5.00} for the new card. So essentially to " have full use '' of my funds I have to pay U.S. Bank another {$5.00}, which was NOT mentioned in their letter to me regarding the provisional credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unverified account is still reporting on my credit report which is a clear violation of federal law. I sent a letter and and there is no response yet. Credit Bureaus failed to comply with the relevant companies listed below. I am sending this complaint to seek for your assistance to help me remove the concerned account for it was found inaccurate and unauthorized. 

XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax
Product: Credit card

I have a credit card for XXXX XXXX XXXX XXXX. It appears that the credit card is serviced by Barclay 's. I was trying to make a payment online. Their system did not give me an option to make a payment until I answered very intrusive questions related to my citizenship status, income, source of income, etc. I have no problem answering these questions. However, preventing people from making payment is not right. I wanted to bring this to your attention because there should be no barriers for people to make payments on their credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

PROFESSIONAL BUREAU OF COLLECTIONS, ACCOUNT NO.XXXX IS WRONGFULLY APPEARING ON MY XXXX CREDIT REPORT. 
They are collectors for XXXX XXXX XXXX.At the only visit I have ever had I needed to have a tooth pulled.I paid {$200.00} cash at the time of service.In addition I had a deep cleaning which was covered by my XXXX XXXX XXXX   XXXX that I was told was covered.I was given a prescription for XXXX that was paid for by my insurance.This debt is fraudulent.
Product: Credit reporting or other personal consumer reports

This company violated my rights to privacy and have not showed me proof of original agreement and has negative item on my credit report. I gave no permission to or signed any contracts for.
Product: Credit card

Have had a Capital One Quicksilver credit card since XX/XX/XXXX. My payments have always been on time and I use the card regularly, despite the nearly 32 % APR. I started with a {$500.00} credit limit that was raised once, by {$100.00}, in XX/XX/XXXX. My credit limit has remained at {$600.00} since. I have applied for an increase numerous times in the last 18 months on the Capital One website, and receive the same computer-generated response each time, that " existing use of current credit line has been too low ''. I have called and spoken to supervisors, asking why this is happening, and either get the same answer as the automated letter. I explained that with a {$600.00} credit line it is impossible for me to use too much of the available credit without maxing out the card. For the past several months I have charged close to {$300.00} each month, always pay my balance in full, and am still declined for an increase. I have spoken to supervisors and have considered closing the card, as I have excellent credit, lines over {$10000.00} on other non-Capital One accounts, and receive NO help. Most of the representatives and supervisors have been blatantly rude and seem to care less about keeping my business. The ONLY reason I have not already closed the card is because I do not want to affect my credit history, but at this point I am willing to take the hit due to the treatment I've received from this terrible company. I've had reps hang up on me and have never once received any follow up, which is why I feel my only recourse is to file this complaint.
Product: Credit reporting or other personal consumer reports

Hi, I'm reaching out today because it has recently come to my attention that I currently have multiple non-Mailable addresses,3 inaccurate names and multiple inaccurate phone numbers reporting on all 3 of my consumer reports. This is problematic because I no longer associate or receive mail at any of these addresses or use any variation of these names or numbers. This is a direct violation of the Fair Credit Reporting act since the credit reporting agencies XXXX, Transunion, and XXXX all have a duty to report accurately in accordance with 15 USC 1681e and are to maintain effective compliance procedures. I am hereby requesting all 3 credit reporting agencies remove the following addresses and names from my consumer report 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 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

Equifax Credit bureau reported a collections account " XXXX XXXX ''. I have no knowledge of this account. This account was DELETED from my credit report a year ago for false, inaccurate reporting. I have not been furnished any proof or verifications of this account. I don't have any signed contract agreements with XXXX XXXX verbal agreements, nor any paperwork associated with them. A proper investigation according to FCRA was not conducted, word of mouth from the creditor is not proper. I request a legal and legitimate investigation be conducted and concrete proof of account. Removed and don't report again if another creditor decides to pick up this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : CAPITAL ONE XXXX & XX/XX/XXXX, XXXX & XX/XX/XXXX XX/XX/XXXX