23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I purchased online XX/XX/2021 to purchase costume for {$200.00} and {$52.00}. {$1.00} and {$6.00} are international fees. Purchase costume is used for street parade art performances on XX/XX/XXXX and XX/XX/XXXX. The purchasing agent promises to arrive in the United States within 3-5 days. The package has been delivered but arrived are not on time and not needed anymore. So I requesting for refund. 
I contacted purchasing agent directly to get shipping confirmation after ordering on XX/XX/2021. But purchasing agent did not give response. Until XX/XX/2021 The purchasing agent told the buyer the required shipping fee, so I then remit {$300.00} immediately, which is not enough, then increase the remittance {$200.00}. {$6.00} and {$9.00} are international fees. Total items and fees is now {$780.00}. 
The buyer contacted the purchasing agent on XX/XX/2021 for shipping details. I requested a refund if not shipped yet on XX/XX/2021 at XXXX AM. Contacted conversations included in separate page. 
On XX/XX/2021 XXXX AM the " XXXX '' of agent purchasing said : " already shipping, tracking number : XXXX ''. In fact, the package is not shipped at this time. According to the agent purchasing tracking system, it shows : " Document Clerk : XXXX XXXX, the printer Clerk, is delivering the package for you. '' it is XX/XX/2021 at XXXX AM. Until XX/XX/2021 at XXXX PM, the agent purchasing tracking system showed " Your package has been shipped from XXXX and it be expected to arrive within 3-5 working days I called the customer service of Bank of America as early as XX/XX/2021 in the morning, requesting the bank to investigate the transaction that the buyer requested to cancel due to the deliberate delay of purchasing agent, and return the mandatory transaction payment. The package has been delivered to the buyer 's address on the afternoon of XX/XX/2021. The package has not been opened because the scheduled holiday performance time has been missed. I am waiting the purchasing agent to provide a return label and address of their warehouse to return the package. 
The decision not to refund is unfair to the buyer
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act. The list of accounts below has value my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account names : XXXX XXXX XXXX XXXX account number : XXXX .XXXX  mortgage account number XXXXXXXX XXXX XXXX Account XXXX bank. Account number XXXX. XXXX  card XXXX. XXXX Account number : XXXX XXXX XXXX account numberXXXX XXXX XXXX account number XXXX XXXX Has violating my rights. 15 U.S.C 1681! Section 602 A states I have the right to privacy .15 U.S.C 1681605 A section 2 : it also states a consumer report, and she can not furnish account, without my written instructions .15 U.S.C 1681c ( a ) ( 5 ) section States : no, consumer reporting agency may make any consumer report containing any of the following items of Information, other than records of convictions of crimes Which antedates the report by more than seven years .15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable call to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, I was recently made aware of the settlement with XXXX. Nobody contacted me regarding the details of this settlement. Are you able to verify if I am on the list of individuals impacted? I've attached an old XXXX account summary and the settlement case I am referring toXXXX services my student loans now. I had a XXXX account but I think it was deleted once my loans were transferred. I did not have any visibility when this took place. 

How would this settlement impact my current loan status? This also impacted my credit score because I was a victim of a debt consolidation service scam. ( attached contract ). I tried to resolve this issue with the credit bureau however was unsuccessful. 

https : XXXX Any assistance would be greatly appreciated- Thank you!
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX XXXX XXXX  - {$23000.00}
Product: Checking or savings account

I have been an Arvest customer for many years. Several accounts and several mortgages. A couple years ago I got a divorce and will admit financially it was hard. Paycheck to paycheck and most weeks negative. I was able to stay a float though till my mom passed away a few months ago. She left nothing so in order to bury her I took out short term loans and whatever I could. Thats when it became a disaster. I went to a debt consolidate place and I am trying it. Anyway all the loans were going to be put into one pymt but they kept trying to auto draft my checking account still. I told Arvest not to let them but they kept on so I begged Arvest to close that account numerous times but they refused. They closed it when it finally had over 700 dollars in just overdraft bank fees. I couldnt pay that and dont think its fair when I asked them to close the account or stop these places from trying to debit my account. I couldnt deposit any money into the account or these loans would have took it. Arvest then took XXXX dollars of my XXXX year old sons account to pay some of the over draft fees on my account saying I was on my sons account. Thats news to me. I never received notice that I was. Arvest has no right to take his money to cover this. He doesnt live at Home and has a family of his own. When I pull up my accounts with Arvest it has never showed my sons account. When I have order checks from them they mentioned the two accounts I have with them, never mentioned a third account. Anyway now the same thing is happening to my second account with Arvest that happened with the first. Once again they are refusing to close it or stop a certain business from trying to debit my account and its already over 500 in bank fees. I am at rock bottom. I have explained about my mom, begged and pleaded for mercy but have had no luck. I have never seen a bank so uncaring and heartless. I cant afford these overdrafts. My electric got shut off the other day. I am working 60 hours a week trying to catch up. Over 1,000 in bank fees this last couple of months is robbery. I have tons of messages to Arvest asking to close my accounts or stop the auto drafts starting from the beginning before it got so far out of hand. They refused. Tk you for listening and please help me before I lose everything including my mind. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 

15 USC 1681 Section 602 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Vehicle loan or lease

Reliable Credit made an unauthorized withdrawal ( {$380.00} ) from my acct. on XXXX XXXX XXXX My son had a car loan thru Reliable Credit and I had made a car payment for him with my debit card ( about XXXX  months ago ). Shortly after that he paid off the loan and closed the acct. At that time he asked Reliable credit if any other charges or monies owed would come up in the future, they told him " Absolutely not, everything was paid off and acct closed. '' Now, all these months later money is withdrawn from MY acct. There was no communication by letter, email, or phone call to my son or myself before this money was taken. When we called ( separately ) to ask about this, we were both treated dismissively, told they will not refund and we need to dispute with the bank. 
My son is XXXX XXXX his phone number ( to look up his acct ) is XXXX But the money was withdrawn from my XXXX acct.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

For at least a year, synchrony XXXX XXXX has been add " insurance fees '' monthly ranging from XXXX bucks that I never approved. It's card insurance. I reached out but that department is off line and unreachable for a month per rep. Please help.
Product: Debt collection

They contacted my parents and stated that I gave them their phone number as a contact number. I have never and would never ever give my XXXX or XXXX 's phone number to a debt collection agency. I have talked to them and I told them I would try and pay the debt as soon as possible. They have called my phone once to twice a day, and now they are contacting family members.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX can now respond to the letter that I'm have attached for your viewing. 
Here is the timeline of how I have been trying to get in touch with XXXX XXXX I sent a letter via fax to the number XXXX. On XX/XX/2020. I waited a couple of days and try serval time to reach here by phone. To make sure the fax has received no answer there the phone line kept asking for an extension which was not provided! 
On XX/XX/2020. I called Khols Corporate office at ( XXXX ) XXXX. The operator gave me her at XXXXStill with no Acknowledgement so now here 's my second attempt to get in contact with her through the CFPB. 

I have attached my response letter at the bottom of that email is four-way XXXX XXXX can get in touch with me! 

Thank you for your time XXXX XXXX Happy Holidays
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX These addresses on my report are inaccurate : XXXX. XXXX XXXX XXXX, XXXX, GA, XXXX XXXX. XXXX XXXX XXXX, XXXX, NY, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving phone calls from debt collection agencies. I took the time to contact the debt collection agencies as well as the XXXX credit bureaus. 
Upon receiving a copy of my credit report I have retrieved the info about an unknown unauthorized account. I was told by the credit bureaus to file a police report for the fraudulent activity on my credit report. 
I have no knowledge of this debt. This is not my debt. The following accounts are the result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am still waiting on XXXX more fraudulent accounts information. I will be contacting you guys in a week or so with the other fraudulent accounts to add to this report. I would really appreciate these issues being taking care of. I file a police report as well and XXXX attach the supporting documents Please remove this fraudulent account. 


Account Balance {$2000.00} XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, VA XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 accounts on my credit report that are in good standing but they keep showing I have ( 6 ) missed payments total. On one account it shows on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX I have missed payments. On the other account is says I missed XX/XX/XXXX, XX/XX/XXXX. Im trying to improve my credit purchase a house and Im trying to get this straightened out because I have missed a payment since.
Product: Debt collection

I reviewed my XXXX credit reoport on XXXX XXXX, XXXX. Their was " Charged-off " account from XXXX XXXX in the amount of {$1700.00}. I wrote to XXXX to provide me with information regarding the balance and supporting documentation. I sent them a letter via certified mail on XX/XX/XXXX. I never received any communication from them. In XX/XX/XXXX I reviewed all three ( 3 ) credit reporting agencies and the " Charged-Off '' account had been removed from all three ( 3 ) bureaus. 

I reviewed my credit file again in XX/XX/XXXX and noticed a collection place on all three ( 3 ) credit reporting agencies from a " Portfolio Recovery Associates , LLC '' with an open account date of XX/XX/XXXX. I do not know who this is and why they would place a " Collection '' account on my credit file. I had already contacted the original creditor and settled this matter with them directly!

I also noted that they had violated the new FDCPA law implemented on XX/XX/XXXX, dealing with Regulation F. They are suppose the make contact with a consumer before they are allowed to place a collection on a person 's credit file. They did not, nor have they spoken with me regarding this matter. 

The original creditor had removed this debt off of my credit reports back in XX/XX/XXXX. Why is this Portfolio Recovery not abiding by the Consumer laws that are implemented?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed each bureau XXXX letters and made approx. XXXX phone calls to get this matter cleared up. They continue to report inaccurate information and I have told them I did my research as a XXXX citizen and it is illegal to report inaccurate and misleading information per FCRA. I also asked them to verify the information per FCRA 15 usc 1692g and they continue to ignore me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided Experian with a hard copy of an error that XXXX XXXX XXXX agreed to correct. The states that I do not have any 30 late payments on my account. The 30 late payment is reported on my Experian account for XX/XX/XXXX. I have furnished Experian with written proof and they refuse to correct my credit report, this is causing me to not get approved for future credit. XXXX & XXXX   have corrected this error, but Experian refuse to do so. 

XX/XX/XXXX Account Dispute Opened We have opened your Account Dispute The dispute for the account with XXXX XXXX  XXXX that starts with XXXX has been received and should be completed by XX/XX/XXXX. We will process the items that you questioned with the furnisher of the information or vendor that collected the information from a public record. Youll receive an alert when updates are available and when your full results of your dispute are ready to view. 

ALERT DETAILS XX/XX/XXXX Account Dispute Modified Your original Dispute was Modified The dispute for the account with XXXX XXXX  XXXX that starts with XXXX was modified by an Experian Disputes Specialist. If you have provided relevant supporting documentation, you will be notified when a new dispute is opened in light of the additional information you provided. 

ALERT DETAILS XX/XX/XXXX Account Dispute Update We have an update about your Account Dispute The dispute for the account with XXXX XXXX  XXXX that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. We will notify you when all of your pending disputes have been completed and the full results are ready to view. Review your latest Credit Report to help ensure the information on your Report is accurate. 

XX/XX/XXXX Account Dispute Opened We have opened your Account Dispute The dispute for the account with XXXX XXXX  XXXX that starts with XXXX has been received and should be completed by XX/XX/XXXX. We will process the items that you questioned with the furnisher of the information or vendor that collected the information from a public record. Youll receive an alert when updates are available and when your full results of your dispute are ready to view.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I was a victim of a home invasion robbery in which all my personal information was stolen. I began receiving letters from institutions about accounts opened in my name. and then a letter from XXXX XXXX and XXXX  regarding a data breach. I'm not sure if the fraudulent accounts were a result of the data breach or the robbery. I sent the police report and data breach notices to the reporting agencies.
Product: Debt or credit management

I have told the customer service agent who either hang up on me when I request them to remove me from their call list, or the customer service rep says they will removed my number but I get a call from them later on in the day. I have registered my work number with no call list, but I still received calls from them.
Product: Checking or savings account

On Thursday XX/XX/year>, I received a text from Citibank saying : your contact info is no longer linked to your XXXX profile. Any pending transactions with this info have been canceled. To resume activity, please update your contact info in the Citi Mobile app or Citi online. '' I immediately tried to log onto my Citi mobile app. After logging in, I was prompted to do an Authentication. It asked for my debit card #, pin and account number. Unfortunately, I didn't have my account info. I proceeded to call Citibank to access my account #. They would not provide that info to me and told me to visit a branch. After work, I went to get gas and my card had declined even though there was about {$800.00} in checking, {$17000.00} in one savings account and about {$600.00} in another savings. 
On Friday XX/XX/year> I went to my local branch in XXXX, Ny. I was at the branch for at least 3 hours trying to get info and rectify the situation. After speaking with the branch manager who couldn't receive much info from the fraud dept, I was told it had something to do with XXXX and that they closed all my accounts. They told me I have to wait 30-60 days to receive MY MONEY! I begged and pleaded that I needed my money for bills. After nearly having a XXXX XXXX they allowed me to withdraw {$3000.00} after initially telling me they couldn't give me anything. I am still trying to receive answers and especially RECEIVE MY FUNDS. I don't know if anyone tried to hack and take money because they cut me off from access to my online account. These past few days have been very worrisome causing me to have high XXXX. I need a resolution to this situation ASAP.
Product: Money transfer, virtual currency, or money service

PayPal has my check from my job in my account and they said the have a hold on my account for a 180 days I need my money to pay my Bill's I cant wait that long
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, XXXX XXXX equifax to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S. Code 1681c-2, this is my statement that all of the listed accounts have been reported against my expressed, written consent and therefore is a result of identity theft and must be removed. 
These accounts are not related to any transactions made by menthe consumer.