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

Last XXXX I purchased I steam shower. The company called me based by an inquiry I made about the product. The purchase was made over the phone. The shower came completely broken, the hot water was not mixing with the cold water. I called the company and they send over the broken part. I had it replaced by my plumber and we realized that the shower enclosure could not be sealed. Additionally the tub was leaking. Initially the merchant refused to accept the return of the shower. I complained to the credit card and a temporary credit was issued. After that the merchant agreed to take the shower back. I contacted the credit card company and told them the merchant agreed to take the shower back. The agent from the credit card told me keep all documents because they may ask for them later. 
However soon after the credit card send me a short notice informing me they could not help and charged my card. 
I contacted the merchant and he refuses to refund my charge, in spite of the fact that I have a statement showing the receipt of the shower. They told me the money belongs to them because they won the dispute. 
I reopened the dispute with the credit card and I send all documentation. Two month later I received the same short letter stating they could not help, in spite of the fact that they know the merchant has both my money and the product. Additionally I pay interest for the entire amount.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

I have filed complaints with the CFPB regarding this on-going issue that I continue to have with Trans union regarding online access. I filed complaints on XX/XX/XXXX & XX/XX/XXXX that my online access with Trans union is restricted. I'm not able to pull my credit report, freeze or unfreeze my credit file, or purchase my score credit score. I've been told it may be a web browser use, and based on the response in compliant from Tran union on XX/XX/XXXX, they've stated that I'm not able to obtain my credit report during an investigation.

I don't understand when it's a Federal Law that I have rights to access my online credit report from each credit bureau even if I have active disputes. I've also provided a screenshot to show that I can't access my Trans union report from Annual Credit Report. com due to the restrictions caused by Trans union. This is not a web browser issue, I've also provide proof that my husband can obtain his report with no issue. I've talked with an attorney who states that a credit bureau can not limit access to a credit report due to an investigation even though Trans union has admittedly stated this in the compliant response on XX/XX/XXXX. 

This issue really needs to be investigated because Trans union is violating my rights to access. Please see the Exhibits I provided.
Product: Debt collection

XX/XX/2018 XXXX I disputed this matter with the agencies and told them that this was infact a fraud matter and i would need this account deleted XXXX also challenged the incorrect information account where they clearly violated the law 604 15Us code 1681B 605 A 15Us code 1681 C1 605 B 15 Us code 1681 C2
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act 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 was doing my regularly credit report check and noticed that there was a strange account from XXXX XXXX XXXX XXXX on my credit file. I never opened any accounts nor done any business with that company, therefore its been fraudulently opened. The account was opened XX/XX/2022 ( XXXX yrs, XXXX mos ) and shows as open. I request that this account be erased from my credit file and any internal database, as I am not liable for any accounts opened without my knowledge or consent under Section 609 of the FCRA. This couldve been completely avoided had you all followed the necessary precautions given that I have an active security freeze on my credit file due to prior identity theft involving my sensitive information.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I purchased {$30000.00} worth of XXXX. Coinbase said it would be 7 days until I could send or withdraw those funds. A few days later they send me an email saying they extended the hold time until XX/XX/XXXX. Which is unacceptable. I cant even send the money back to my back account. The XXXX was for an investment with a company that mines XXXX and with {$30000.00} I was going to get a powerful miner. But now I am missing out on over a month and a half of passive income. I have called customer support and they simply say theres nothing they can do, which I dont believe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed twice with company yo being ignored. Called every one of these inquiries to which told no info on me and contact agency reporting. 
Attached is last letter sent.
Product: Debt collection

Sent in a letter to this company on multiple occasions, sent in disputes with credit reporting agencies, this debt is due to identity theft.
Product: Credit reporting or other personal consumer reports

upon reviewing my credit i noticed fraud inquiries that I didn't recognize XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX. As my information was recently exposed in the data breach i would like the fraudulent inquiries to be deleted as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXXXXXX 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 have not received credit reports within the 30 days. I sent dispute letters XX/XX/2020 and XX/XX/2020. experian and XXXX have yet to respond and this is really hurting my credit. Will you please make them respond to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into a Forbearance Plan with LoanCare , LLC, effective XX/XX/XXXX through XX/XX/XXXX. The agreement states, " If your loan was current at the time of entering into this Forbearance Plan, then each month you are in the Forbearance Plan, we will report the status of the account to the credit reporting agencies as current. If, however, your loan was delinquent prior to entering into the Forbearance Plan, we will maintain that delinquency status during the term of the Forbearance Plan. If you are able to bring the loan current during the Forbearance Plan, we will report the account as current. '' When I entered the plan, the account was not delinquent. I made the XX/XX/XXXX payment on XX/XX/XXXX ( which was 29 days late, but not yet 30 days late ). A late charge was assessed to my account on XX/XX/XXXX, as the payment was not received between XX/XX/XXXX and XX/XX/XXXX. Therefore, I entered into the Forbearance Plan with my account in good standing. I continued to make payments while under the Forbearance Plan in both XXXX and XX/XX/XXXX ( on XX/XX/XXXX and XX/XX/XXXX respectively ). I did not make payments in XXXX, XXXX, or XXXX of XXXX ( as allowed under the Forbearance Plan ) and according to the rules of the Forbearance Plan, these missed payments are not to be reported to the credit reporting agencies. I completed the sale of the property for which this mortgage was secured on XX/XX/XXXX. LoanCare , LLC received the total payoff of the loan including the outstanding balance, the missed payments for XXXX of XXXX, and all the late charges due on the account. This payment was made within the Forbearance Plan term, and according to the rules of the Forbearance Plan, bought the account current and requires LoanCare to report the account as current to the credit reporting agencies. 
In fact, LoanCare issued a {$220.00} refund check back to me on XX/XX/XXXX due to overpayment of escrow on this account. However, in violation of the terms of the Forbearance Plan and the federal CARES Act, LoanCare , LLC reported this account as paid, but 90 days late to XXXX. I demand that LoanCare , LLC correct this information immediately, as this account was paid in full during, and according to the terms of the Forbearance Plan. This is a malicious attempt on behalf of this company to harm me personally as a consumer and violates my rights under the Consumer Financial Protection Act. I have attached documentation supporting my account above, to validate the veracity of my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you XXXX XXXX Customer Advocacy, For finally acknowledging that my last payment to XXXX was on XX/XX/2019 in the amount of {$43.00} you stated in your response letter that you are unwhiling to make any changes to my account with the credit bureaus and you are reporting accurate information in accordance with the law! At this time I am NOT asking XXXX to correct anything with the Credit Bureau I am only wanting information on what laws and or procedure your company has operated under that XXXX has been able to make these changes to my account without my permission. Resulting in falsely manipulating the statute of limitation. 
As you stated in your response letter my last payment was XX/XX/2019 making XX/XX/2019 the first month of delinquency. Now you stated do to return mail is the reason XXXX updated my account to paid as agreed going back from XX/XX/2019 until you reported the account 30 day again how/why? even after you sold the account XXXX reported 15 more paid as agreed payment! Again you stated ( Due to returned mail, the account was previously updated and brought current. ) please explain in detail this procedure XXXX initiated without my knowledge or consent so I may follow up in accordance with the law. ( Due to returned mail, the account was previously updated and brought current. ) how/why does return mail changes the payment history on account from being late never paid to paid how?
Product: Mortgage

I was told by representatives of Carrington Mortgage Company not to pay my monthly payments while the modification was pending. This process took over a year before I was informed a modification was not possible and I would need to pay the full amount due. During this time I applied for and was approved for a program through the LACOVID Housing, Louisiana Homeowner Assistance Fund. This program agreed to pay my back mortgage to make my account current, up to {$25000.00}. 

Carrington Mortgage intentionally submitted an incorrect XXXX Report, which misrepresented the amount I actually owed. I made a payment to bring my account in line with the requirements through LACOVID Housing guidelines. 

For over a month Carrington Mortgage company has refused to provide the XXXX Record indicating the amount I currently owe to LACOVID Hosuing and instead sent me a letter, Intent to Foreclose.

My account could be current Carrington Mortgage would simply submit the report. During all of my many phone calls, representatives indicate they are unaware of the program or the need for the XXXX record. 

I believe that Carrington is intentionally not submitting the XXXX  record in an effort to ensure that my account balance is above the limit for payment by the LACOVID Housing program.
Product: Checking or savings account

Capital One did not notify a problem or issue with banking. As of today XX/XX/year> I had to XXXX what was going on with my account. I thought my job didn't process payroll. I always receive my payroll two days ahead. I have a family to feed and bills to pay. I can't access my account, my credit cards or debit card and my family needs to eat. Apparently this issue started Wednesday XX/XX/year> and no update or payment has been deposited into my account. When this issue is resolved capital one will no longer be my bank. This is beyond sad and I am highly displeased with capital one. I have been with them over a decade and now this happens. I'm done with this bank. Please do not open up with capital one bank. AVOID, AVOID, AVOID!
Product: Debt collection

I spoke with XXXX on the XX/XX/XXXX and she put me on hold for 15 minutes stating she couldnt find anyone to help me but she gave me the number to XXXX who handles their bankruptcies. I told her that XXXX didnt report to the credit bureaus, XXXX XXXX does. So she suggested I call back later to see if I could get someone to help me. 

I called again on XX/XX/XXXX and spoke to XXXX again. She put me on hold and came back to say that her supervisor says its supposed to report as an open collections account and it will stay that way until its discharged. I asked to speak to her supervisor, XXXX, who said they send the same code to each credit bureau and theyre supposed to be reporting the same way. She stated that it will stay in open collections due to my agreement with the courts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the Credit Bureaus/Agencies XXXX XXXX XXXX TransUnion, XXXX ) and the Creditor ( Bankruptcy Chapter XXXX  ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the bankruptcy is fraudulent and that I'm a victim of identity theft. In return to tell me that this bankruptcy was verified and/or belonged to me via XXXX or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. I also contacted the bankruptcy court and it is clear that they do not report to any credit bureau for that matter ; therefore the response verifying the item with the court is an error. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately
Product: Payday loan, title loan, personal loan, or advance loan

I asked the caller to send the information to me. She states that they are proceeding with wage garnishments and I will have to get a lawyer to stop the process. I asked who is her company. She said Spee Dee Cash. I told her I have never applied with a Spee Dee Cash. She called out a bank. I told her, I don't have an account with the bank that she called out. She said I will have to file a police report and they are still moving forward with wage garnishments. How can they do this is someone who has no earthly idea of who they are and who has never had any dealings with them? When This actually had taken place, I am unsure.
Product: Credit reporting or other personal consumer reports

M & T Bank has previous late payments on my account during the time I was in forbearance. According to The CARES Act, which was signed into law on XX/XX/XXXX, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report. ) Specifically, the creditor has to continue to report your debt as current if you're up to date on the debt when the creditor agrees to : let you defer one or more payments let you make a partial payment forbear any delinquent amounts modify a loan or contract, or give you any other assistance or relief. 
The reported me 90 late and 120 days late in XX/XX/XXXX when I had funds for the FHA that was used to cover behind payments of XXXX after forbearance. But they report me late.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to request a correction on my consumer credit report. Please delete of my credit history the following closed account that appears on my Experian report, it showing incorrect information I have never given my permission to show this information on my report, no consent is fraud, which is in clear violation of 12 CFR 1006,34 ( d ) and 15 USC 1681-S29 ( 7 ) ( A ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; {$750.00} Status ; paid, closed
Product: Credit reporting or other personal consumer reports

Bank of America ( XXXX  ) is reporting to the credit agencies the balance in XXXX of my credit card, of the amount of {$42000.00} which is currently under investigation. This was made with stolen credit card info in XXXX, I'm in XXXX. 

I have a active claim with CFPB XXXX regarding these fraudulent charges and the case is also open with Bank of America XXXX They need to remove these charges from my credit while they investigate. 

I'm including phone records to show that I made a call to cancel the credit card after a small purchase in a fastfood restaurant for {$5.00} was made. XXXX  did not close the account and thieves made a huge purchase of {$42000.00} the next day. XXXX  did not stop it, nor call me to verify if it was me. By the way, the limit on the card was {$13000.00}.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX, we did a wire transfer donation to a refugee school in XXXX from Non profit account name The XXXX XXXX XXXXXXXX XXXX under First National Bank Omaha XXXX. The amount was {$3000.00} transactions dated XX/XX/XXXX, on XX/XX/XXXX, the beneficiary didnt receive the funds so I had called first national bank multiple times they said my money was held they didnt tell me any details or reasons. On XX/XX/XXXX, they still held my money so I requested them to return it back to non profit account. Until today XX/XX/XXXX we still havent received money back and the beneficiary didnt receive it either. First national bank Omaha still hasnt returned money back to us and didnt tell us any reason.
Product: Payday loan, title loan, or personal loan

During an " owners workshop '' meeting at a XXXX XXXX in XXXX XXXX, NV, the XXXX sales person opened a Comenity Vacation club credit account in my name without prior discussion or approval. We were unaware of this until after returning home and receiving the bill for {$30000.00} in the mail. Upon calling, I was told that I was past the 10 day limit to recent this purchase. I had struggled for over a year to pay the $ XXXX monthly payment. The card also came with a 20 % interest rate. I was finally able to get Comenity to place me on a hardship program due to loosing my job during the pandemic, which lowered my payments to $ XXXX monthly and 0 interest for 5 years. After many failed attempts ( and over {$20000.00} gone from my savings ) to get XXXX to cancel this membership, I formally began a dispute process with both XXXX and Comenity. I received a letter from Comenity stating that I have successfully completed the special Vacation club credit long term program and my account would remain permanently closed and reflected as paid in full on my credit report. I also received two bills showing a balance of - {$8000.00}. When I called Comenity to inquire about a refund of the balance shown, I was told that the letter w as sent by mistake and that I have a balance of {$21000.00} to be paid on the account. I am still on formal dispute with XXXX for their deceptive, fraudulent, and aggressive sales tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refuses to cancel the " XXXX XXXX '' service I never signed up for because I have no active accounts with them. I closed out and paid off all balances due so when I call they can not find an account to remove me from this service. I have tried 5 times to talk to someone and no one can remove me from their list. I do not authorize this service.
Product: Payday loan, title loan, personal loan, or advance loan

The solar rep promised I would receive a specific amount ( XXXX ) from taxes to pay down the loan to get to the target balance. I am not getting that much so now the payments will go up to twice the amount I'm paying now in XXXX Had i known i would not be receiving that amount, i never would have taken the loan. There is absolutely no way i could get XXXX ... .ever ... XXXX will not work with me on it. They're just saying wait until the loan re amortize. Which will bring the payments up. I'm thinking of having to file bankruptcy. I am a hardworking single mother and I know I'm not the only one goodleap has hornswoggled. Despicable. Predatory. I understand why people call it a scam now. Sounded too good to be true
Product: Mortgage

On or around XX/XX/2020 I started a loan refinance application with XXXX Mortgage XXXX XXXX XXXX Interfirst Mortgage Company. While still in the application process, on XX/XX/2020, Interfirst Mortgage Company contacted my Home Insurance company, XXXX, and changed my account Mortgagee from my actual current loan lender to Interfirst Mortgage Company. 
At no time in those twelve days were we anywhere close to closing our refinance or even finishing the application process. By doing this Interfirst Mortgage Company created a risk of having my Home Insurance expire and being in violation of the terms of my open loan with my actual current lender as the bill for my XX/XX/2020 renewal would have been sent to the wrong lender.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX  XXXX XXXX XXXX XXXX XXXX {$24000.00} XXXX  XXXX XXXX XXXX XXXX XXXX {$23000.00} XXXX  XXXX XXXX XXXX XXXX XXXX {$13000.00} 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 written instructions