23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

On XXXX XXXX, 2015, the account ( XXXX ) on eBay purchased my iPad mini 3 XXXX Wi-Fi, for the amount of {$450.00}. The account owner, named XXXX XXXX XXXX, requested an invoice for the transaction, which I provided immediately. Then I received automatically generated emails from ( what I believed were ) PayPal, notifying me of the transaction complete, and from eBay, congratulating me on selling my item. Since, I believed that I had received the payment from the buyer, I shipped it to the buyer with overnight priority ( which I charged to the buyer as an additional {$86.00} ), as we had agreed upon. Unfortunately on XXXX XXXX, 2015, I received an automated email from eBay stating " We had to cancel bids and purchases on the following item ( s ) for the buyer, because they were made without the account owner 's permission ''. Upon further review of the communications that I had received from " PayPal '' ( email address : XXXXXXXXXXXX ) and " eBay '' ( XXXXXXXXXXXX ) in regards to this transaction, I realized that although the emails appeared to be very authentic, they were in fact fraudulent and malicious. The email correspondence that the buyer provided was XXXXXXXXXXXX ( which belongs to XXXX! XXXX XXXX. XXXX according to PayPal ), The XXXX tracking number that I provided to the buyer after shipping the iPad to her, was : XXXX And the address that she requested it be shipped to was : XXXX XXXX XXXX XXXX XXXX, Illinois XXXX This address was different than her address that was provided on eBay. 

I immediately contacted PayPal, eBay, XXXX, and XXXX, to see how the situation could be remedied. I also went to the local police station to file a police report, and filed a claim on cfpb as well as XXXX. eBay provides " Buyer Protection '' to their consumers, but there is no " Seller Protection '' that protects sellers from unfortunate circumstances where users have maliciously stolen items from sellers via eBay 's platform.
Product: Debt collection

Summit has been informed and acknowledge a bankruptcy case. Summit continues to report the account on credit report as a collection in attempt to collect. Call have been made for the agency to remove account from credit bureau and the refuse causing violation under The XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : XXXX XXXX XXXX Equifax for Failing to Correct Inaccurate Late Payment Information Dear CFPB, I am filing a complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the account associated with XXXX. Despite multiple requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness. 
XXXX XXXX XXXX of Obligations XXXX ( XXXX ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. 
I am formally requesting that the inaccurate late payment notation be removed from my credit report immediately. 
Errors Identified : The account contains discrepancies in the following fields : XXXX XXXX : The reported high balance varies between bureaus and does not reflect accurate transaction history. 
Last Verified : The date of last verification is inconsistent across credit bureaus, raising concerns about the reliability of the data. 
Date of Last Activity : The reported dates of last activity differ significantly among the credit bureaus, leading to confusion and potential inaccuracies. 
XXXX XXXX : The current balance owed is incorrect and does not align with my payment records. 
Payment Amount : The amount listed as my monthly payment is erroneous and does not match the agreed terms of the account. 
XXXX XXXX : The credit limit reported is incorrect, and the discrepancies could negatively impact my credit utilization ratio. 
Desired Resolution : XXXX removal of the late payment notation from my credit report. 
Correction of errors in the above-listed fields. 
Written confirmation of the corrections. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I received a loan for solar panels on XX/XX/XXXX. Per their documents in the disbursement section, they would not disburse the money until certain conditions were met. They contacted me twice on XX/XX/XXXX and XX/XX/XXXX inquiring if the system was operational. Both times I replied no. They proceeded to disburse the money to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) which is now no longer in service. The money should not have been disbursed until the installation was complete and operational. Had I been paying them I would not have paid until the job was complete. I have opened XXXX complaints on XXXX and XX/XX/XXXX, and I was told they would contact me. Both complaints were closed with no contact and directed me to call the solar company which Ive told them is no longer in business.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXX/XX/XXXX hard credit inquiry without permission. I didn't apply for account nor increase. Unknown why hard inquiry appears on TransUnion and XXXX. Please remove and update score. As of XXXX no hard inquiries should appear. 

XXXX XXXX or XX/XX/XXXX hard inquiry without permission nor application. XXXX. Please remove and update score. As of XXXX no hard inquiries should appear. 

Experienced many dark web activities and ALL credit bureaus should be locked and frozen due to identity theft attempts. Birth certificate, social security card stolen by landlord in XXXX. Drivers license stolen in purse in XXXX XXXX GA and by ex. Filed with each bureau credit still left vulnerable. All pertinent Information available on dark web. Please assist. Victim of breach and bureaus didn't apply extra security measures. Received email confirmation and small electronic pmt but no security measures. Please assist. Discrimination factors.
Product: Credit reporting, credit repair services, or other personal consumer reports

On   XXXX   XXXX   XXXX    , I forwarded a request to Equifax to provide verified of listed items or for them to delete them from my credit report. As of today,   XXXX   XXXX   XXXX    , I have yet to receive any results of any sort. On the letter to them, I included my address as well as copy of my ID and SS card to show proof that all my information matched and to confirm my identity. It has been over the 30 days they are allowed to send the results back to me.
Product: Debt collection

XX/XX/2020 Home Depot Consumer {$7800.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, CA. XXXX, Current Creditor : XXXX XXXX XXXX, sent to me, while no such account ever existed but claimed CITIBANK N.A. as original. Smelled fraud, checked online, many fraudulent reports/complaints. Afraid to contact in lieu of scam artists or identity theft. 
XX/XX/2020 Best Buy Visa {$1400.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, CA. XXXX, Current Creditor : XXXX XXXX XXXX, sent to me, while no such account ever existed but claimed CITIBANK N.A. as original. Again, afraid to feed into a scam. 
XX/XX/2020 Home Depot Consumer {$7800.00} repeated. 
Filing report with CFPB, consumerfinance.gov. Given a common name, and no record of ill credit, misidentification or wrongful contact likely at the least. Fraud, identity theft, or scam more possible.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with the federal law and provides consumers with the necessary proof of investigation. These are the accounts I marked as inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Hello, I utilize Direct Express, which is part of Comerica, for my direct deposit from my pension from the United States armed forces. I lost my card last XXXX and I attempted to reach out to this institution via telephone. I did not have my card number and the automated system does not recognize anything but numbers so I could not get to live person for help. I live in a XXXX home so my social worker attempted with phone calls and letters and there have been no response. I have over {$18000.00} in this account and I can't get my money to pay my bills. I am XXXX as well and can't use any of this money to pay for my funeral. We reached out to the Federal reserve and they instructed us to make a complaint with you folks as you the supervisory oversight of this entity.
Product: Debt collection

Capital One Bank USA N.A ( Capital One ) willfully, knowingly, intentionally violating the law and closed my account which is a violation of the law 12 CFR 1026.13 ( d ) ( 3 ) the CFPB enforce this law on their website. XXXX XXXX, Director of the ( CFPB ), according to In any action brought by the Bureau, a State attorney general, or any State regulator to enforce any Federal consumer financial law, the Bureau, the State attorney general, or the State regulator may recover its costs in connection with prosecuting such action if the Bureau, the State attorney general, or the State regulator is the prevailing party in the action pursuant to 12 U.S. Code 5565 ( b ) with Prejudice! ( Capital One ) has been closing Consumers account and violating the law and providing Consumers, false and misleading information SEE SEE XXXX XXXX XXXX, XXXX XXXX. Capital One Bank ( USA ), N.A 29. The statement provided by Capital One was false.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX  XXXX {$1400.00} XXXX XXXX XXXX  XXXX {$1500.00} XXXX XXXX   XXXX {$1200.00} XXXX XXXX   XXXX {$1400.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXXXXXX XXXX XXXX {$660.00} XXXX XXXX  XXXX {$720.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$16000.00} XXXX XXXX {$210.00} XXXX XXXX XXXXXXXX {$460.00} AR CHILD SUPPORT ENF  XXXX {$97.00} XXXX   XXXX {$180.00}
Product: Credit card or prepaid card

I was charged a {$10.00} cash advance fee for a transaction that was not a cash advance. The transaction was for {$4.00} and was made through XXXX XXXX. I have never used XXXX XXXX to withdraw cash and I do not have a cash advance limit on my credit card.
Product: Checking or savings account

I used TCF atm XX/XX/XXXX around XXXX to XXXX for make a regular monthly deposit for make an specific payment on XX/XX/XXXX of the month, at the beginning I just put {$500.00} and suddenly ATM stop working gave me a msg " THIS ATM IS UNABLE RETURN YOUR ITHEMS PLEASE CONTACT YOUR BANK '', I did and supposed they gon na investigated and until this date nothing, I stop three times at the agency they checked cameras, and the answer was I have more money in my hands.

for a information in my account XX/XX/XXXX of every month I deposit XXXX  for a university payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid a balance that was owing outstanding to Fortiva ( XXXX XXXX XXXX XXXX XXXX ) and the balance is now XXXX  and have been but I still have not seen an update on my credit report. This is adversely effecting me and I even received a letter from a collection agency on a debt that is no longer owed. I hope that someone can help me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Is showing on my credit. I have never done business with this company. Never gave them my info or authorized them to have any of my info. This line is being reported in fraud.
Product: Credit reporting or other personal consumer reports

Request for Assistance in Resolving XXXX XXXX ( Debt Bondage ) Case I hope this letter finds you well. I am writing on behalf of a federal award recipient authorized by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in Persons ( please refer to the attached Confirmation of Authorization ). The XXXX XXXX XXXX has verified and determined that XXXX XXXX is a vXXXX XXXX XXXX XXXX XXXX XXXX XXXX in persons under 22 U.S.C. 7102 ( 11 ) or XXXXXXXX XXXX under 22 U.S.C. 7102 ( 12 ), making them eligible for certain adverse credit information to be blocked according to 12 C.F.R. 1022.142 ( see attached rule ). The XXXX XXXX XXXX is dedicated to advocating for the rights and welfare of individuals affected by XXXX XXXX XXXX XXXX XXXX. We have identified that XXXX XXXX case, which we believe deserves your attention and expertise. In our mission to support victims and collaborate with stakeholders to eradicate XXXX XXXX, we've identified an issue with that XXXX XXXX credit report, which contains an outstanding debt likely connected to a case of XXXX  XXXX This debt raises ethical and legal concerns due to possible fraudulent or coercive practices leading to an unjust financial obligation. We respectfully request your assistance in blocking and removing any negative accounts linked to XXXX XXXX credit profile. Thank you for your attention to this matter. We look forward to collaborating on this important issue. Please feel free to contact me at any time. Best Regards, XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX # XXXX, has 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 a account without my written instructions
Product: Vehicle loan or lease

Purchased my car from CARVANA XX/XX/XXXX. 
Temp tag expired XX/XX/XXXX. 
Im an XXXX driver, and rely on my car for my income. Im not able to drive it legally, Im paying for a car payment and insurance. I ALSO have to pay {$280.00} a WEEK, and they thought it was suitable to send me a {$250.00} check to cover me for another MONTH! They said I wont have my plates or registration MAYBE on XX/XX/XXXX, but wont continue paying for the rental I have to use to do my job and make an INCOME. The woman on the phone literally said - if it was me, I wouldnt send you the check. Oh, so youre telling me i have to work an extra 12 HOURS of DRIVING a week just to pay for the rental before i start making my income? Thats cool. Absolutely ridiculous. One woman says it hasnt been sent, the other says it has. They constantly lie and beat around the bush and dont care about their customers AT ALL. One guy has been waiting 160 DAYS for his registration. How is this even okay??? So I am physically drained beyond belief while these girls are sitting at home saying they think I dont deserve to be paid for the rental I shouldnt have to pay for if they did their job right in the first place? Quit blaming Covid, the DMV in Nevada is NOT backed up.
Product: Credit card or prepaid card

In XX/XX/2018, I noticed about {$5000.00} of XXXX charges on my credit card from in game purchases. I notified XXXX that I did not authorize these charges and I was told that they would refund the money. When I did not receive the refund, I contacted my credit card company who investigated the matter. Somehow I lost the fraud claim and paid the balance. To prevent this from happening again, I was told to cancel the credit card and place a merchant block, which I did. 

In XXXX of this year, I noticed XXXX charges again. I contacted my credit card company and again cancelled the card and placed a merchant block. However, the charges continued. I cancelled the card 3 times and placed merchant blocks. I was told by my credit card company that I would not response for the charges because I placed a merchant block. However, today I was told that I am responsible for the charges. I have contacted the card company numerous times and I did not give XXXX the new card numbers. However, XXXX remains able to charge my card by passing the merchant block without the card number. 

The credit card company is " unable '' to assist me. All of my call get rerouted to different departments, who claim that the last department is the only one who could help. I have asked if I could record the conversations because some of the information they provide is completely unbelievable. Such as one person claimed to have never heard of a merchant block. However, they refuse to allow me to record the conversations. They do not provide employee identification numbers or anything that I could use to later identity them. I am only given their first name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested documentation from Credit Service Inc that states how they can lawfully collect and report these alleged accounts. Accounts that I saw on my credit file from Credit karma account portal no ss # or XXXX was needed. 
I have received no correspondence or response regarding this. Instead Credit Service Inc has agreed to delete the accounts off my credit file and return them to their client. As per deletion the debt collector shall pay to myself for the damages pursuant to 15 USC 1681n. Credit Service Inc has inaccurately and unfairly reported on my credit monthly. This is a violation of 15 USC 1681 ( a ) ( 1 ) and ( a ) ( 4 ). Now finding their mistake of not validating this alleged debt before reporting to CRA they are deleting from credit file. Pursuant to 15 USC 1681N Credit Service Inc shall pay {$4000.00} per damage from company to consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize the alledged debt or debtor on my credit report and I refuse to pay it. I have never done business with nor do I have a legal or binding contract with XXXXXXXX XXXX XXXXXXXX. This account was recently closed and then reopened after disputing it previously.
Product: Credit reporting or other personal consumer reports

UNITED COLLECTION BUREAU , INC United Collection Bureau , Inc. ( UCB ) XXXX XXXX XXXX. 
XXXX, OH XXXX PHONE : XXXX is falsely reporting on my credit. I have never had any accounts with them. Upon my research/findings, UNITED COLLECTION BUREAU , INC is a debt collector AND SHOULD NOT HAVE MY PERSONAL/CONFIDENTIAL INFORMATION!! They are falsely reporting to my credit! Account # XXXX is falsely reporting to my credit file ( XXXX, XXXX, and XXXX and any other reporting agency ) and against my rights and fair credit act. Under 15 U.S. Code 1681d - Disclosure of investigative consumer reports. I have attached the definition so that you can see and understand the violation. A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than XXXX days after the date on which the report was first requested. I request to be provided proof of this alleged item, specifically the original application, contract, note instrument bearing my signature with UNITED COLLECTION BUREAU , INC . Failing to do so, the item must be deleted from the report as soon as possible! Under federal law, you have XXXX  days to complete your reinvestigation. I will also be seeking {$1000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violations of 15 U.S.C 1692G Please have the original creditor provide the validation documents to the BBB as well as to me. It is extremely important that the creditor provide the documents to the BBB to ensure fairness and that they are not brushing me off and taking this matter seriously. Thank you for your assistance.
Product: Credit card

Capital one is stealing down payments from secured cards that should be refunded once the card is declared nonsecured. But Instead they promise return in 90 days then try to deny you ever had a secured card and that you paid a deposit. Have screen shots and bank statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, XXXX : I submitted the enclosed disputes regarding my federal student loans through XXXX. The dispute was sent to XXXX, TransUnion, and XXXX. I have been in the process of purchasing a new home and my loans went through the Fresh Start program. As per the two conversations that I had directly with the Department of Education, I was told that all negative information that was previously reported would be removed. The disputes were specific to each bureau. XXXX decided not to pursue the disputes. Instead, I received a letter dated XX/XX/2023, with contradictory wording. It starts off by stating that after a careful review of my account, a determination was made that no adjustments are needed. The reason provided was because of an incomplete or invalid dispute. This was followed by claiming that under the FCRA a data provider doesnt need to investigate disputes received directly from consumers. For starters, the dispute came directly from the bureaus. Furthermore, the results should have also come back from the three bureaus. That never happened. Just a form letter from someone who didnt take the time to review the disputes. 
TRANSUNION, XXXX, & XXXX The attached response from XXXX indicates that you didn't provide the information listed in my individualized dispute sent to all three bureaus. You too share a part in the blame for my credit reporting incorrectly.