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

On XXXX XXXX XXXX XXXX I ordered XXXX boxes of wall panels from XXXX XXXX XXXX for my home office improvement using my Citi Premier credit card, worth {$810.00} total. On that same day, the Merchant XXXX XXXX XXXX XXXX ) sent me XXXX separated automated emails, XXXX email contained my order information and XXXX email contained XXXX tracking numbers XXXX there are 5 XXXX  tracking numbers XXXX so Id assume each XXXX  tracking number is for each box of the wood panels ) From XXXX XXXX XXXX XXXX XXXX XXXX  - Ive been keeping an eye on the XXXX  tracking numbers XXXX but two days, three days, four days later, the tracking numbers never get updated. They still show The delivery date will be provided as soon as possible. I grew concerned whether Im buying products from a legit business or not. So I emailed the Merchant asking for my order status, but no response. I sent a messenger to the Merchants XXXX for which I first learnt about their products advertisement, still no response. 

On XX/XX/ - I filed a dispute with my Cit Premier credit card, because ( 1 ) the XXXX tracking numbers were still showing The delivery date will be provided as soon as possible. in fact, the XXXX tracking numbers still show this same message as of this writing and ( 2 ) there were no response to my inquiries from the Merchant. I also sent an email to the Merchant requesting to cancel my order and get my refund back, stating my concerns above. 

On XX/XX/XXXX XXXX XXXX  - the Merchant, for the first time, replied back to my email saying that my order was being shipped via XXXX but provided no XXXX  tracking number. I replied to the email and again requested to cancel my order. 

On XXXX XXXX XXXX XXXX XXXX  delivered SOMETHING to me, but since I dont have or expect any XXXX tracking number from the Merchant I refused to accept the delivery and asked the XXXX to return whatever in the package back to the sender. 

Fast forward, on XXXX XXXX XXXX  after Citi card refused to refund my money back. I called both XXXX and the Merchant. The XXXX told me ( on the phone ) that the shipper ( aka the Merchant ) instructed them to return the product to somewhere in New Jersey. But the Merchant told me ( on the phone ) that the XXXX should return the product to their business address in XXXX, California. Then the Merchant told me that they would file a claim against XXXX. However, this is none of my business, my business is to get the refund back. 

Today ( XX/XX/ -- after 5 months long ) the Citi Premier card still keep refusing to refund {$810.00} back to me, citing that they have exhausted their investigation and also stated that the Merchant bank refused to refund the money back.
Product: Credit reporting or other personal consumer reports

FCRA 605B, I believe, mandates the removal of any erroneous accounts from my credit report. Could you verify the documents? Several of the listed accounts contain inaccuracies in terms of reporting, including inaccurate amounts and dates.
Product: Credit card or prepaid card

I have had a Chase credit card for many years ( Chase Sapphire card ). Several years ago, I joined the XXXX XXXX XXXX for our XXXXXXXX, and when registering as an XXXX XXXX XXXX XXXX with Chase Bank ( with whom the XXXX dealt ), I used my credit card as identity. Following that, they linked my credit card reward program to the XXXX accounts without asking or notifying me, so that if I was not very careful, I might accidentally redeem my cash back as a deposit to those accounts instead of my own. That seems a highly inappropriate process, especially for a financial institution as large and established as Chase. I have tried having those accounts unlinked by lengthy phone and online communications without success. The online responses have been evasive at best, ducking the question or pretending to misunderstand. The service personnel on the phone first tried saying it was something I did, and when that didnt succeed, simply told me nothing could be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to buy an new car and I got financed through XXXX  XXXX. They way the bank is treating me is odd. It seems that that they treating me like I have had credit and got and an very high interest rate. They told I have to XXXX to pay for my care in person. They also, told my checks are invalid. Im guessing they saying this because they think Im high risk. 
Well, that clued me and realized I had an problem with XXXX XXXX XXXX XXXX  and reported reported me to Chexsystems. It was an mistake at the bank on XXXX, No. the Bank had it removed From Chexsystems. I found it wasnt removed. There an problem at Chexsystems. I tired calling but just telling to put in an dispute against the bank. The problem is that Chexsystems did not remove it. I called the bank and on there end was removed XXXX/2020. I asked them what I do with the loan. Guy just kept on repeating himself.
Product: Vehicle loan or lease

I, the consumer and natural person, was denied credit by Navy Federal Credit Union when I applied for a auto loan in the amount of { {$50000.00} } on XX/XX/2023. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. Navy Federal Credit Union is in violation of 15 U.S. Code 1642, U.S. Code 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I wrote to the creditors above requesting an investigation into items that I believed were INACCURATE AND UNVERIFIED. To date, I have not received a reply from any of them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX account # XXXX, XXXX XXXX XXXX  XXXX account # XXXX, XXXX account # 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 an account without my written instructions
Product: Credit card

Chase Bank notified me by email telling me my personal info was used to submit an application for a credit card. XX/XX/2023 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to a verification of some of the accounts listed on my report. They did and stated everything was verified. I did research after them and still found improper inaccuracies even after they did research. USDOEXXXX Account no : XXXXXXXX XXXX XXXX XXXX  account no : XXXX, DP OF EDUC account XXXX : XXXX, US DEPT ED account no XXXX, XXXX XXXX account no : XXXX,
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing this complaint to dispute inaccurate information on my credit report, specifically regarding an account reported by a collection agency. 

The account in question is associated with an apartment XXXX XXXX XXXX XXXX XXXX XXXXXXXX and I was not aware there was debt that was sold to a collection agency without my prior consent. for XXXX which is insane. 

Under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), it is illegal for a creditor to sell or assign a debt to a collection agency without the debtors consent or proper notice. Furthermore, consumer law prohibits credit bureaus from reporting information that has not been consented to by the consumer.

The collection account in question, listed under on all 3 of my reports does'nt even have a collection agency company listed its just a massive debt with no one to contact and this has drastically ruined my otherwise great credit all there is an amount and an partial account number, it was was reported to the credit bureaus without my consent, which violates my rights under consumer law. The reporting of this debt is not only unauthorized but also unlawful.
Product: Student loan

My complaint is in regard to Navient ( formerly XXXX XXXX ), the lender that allowed me to take out loans in order to attend college ( The XXXX XXXX of XXXX in XXXX, Pennsylvania ). Since XX/XX/2015, I 've been writing to Navient to negotiate a new payment plan I can afford since I 'm currently unemployed. I requested that they only contact me via mail, to not contact my cosigner and to consider releasing my cosigner from my account. All letters to Navient have been sent certified and I know for certain they received them because they did respond to me in writing. Since then, my cell phone has been called at least once every day from numbers with different area codes that a web search shows to be Navient. In addition, Navient has written to my cosigner and threatened to report them for delinquent payment of loans. I would like to know if Navient is violating the Fair Debt Collection Practices Act when they proceed to do everything I requested that they not do.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX concerning their violation of 15 U.S.C. 1666b, which pertains to the timely delivery of periodic statements for open-end consumer credit plans that was violated by XXXX XXXX XXXX XXXX XXXX 

Here my XXXX XXXX XXXX info Account XXXX -Date of Late Fee Assessed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX fee on my account, stating that my payment was late. However, according to my records, I have never received the periodic statement which did not provide the required 21 days before the payment due date as mandated by 15 U.S.C. 1666b. 

I have attempted to resolve this matter directly with XXXX  XXXX by requesting the removal of the late fee and proof of compliance with the statutory requirement. To date, I have not received a satisfactory response, nor have they provided the requested proof that the statement was mailed in accordance with the law.

According to 15 U.S.C. 1666b ( b ), 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 adopt reasonable procedures to ensure that each periodic statement is mailed or delivered to the consumer not later than 21 days before the payment due date. In this instance, XXXX XXXX XXXX XXXX failed to meet this requirement, resulting in an unlawful late fee and potential negative impact on my credit report. 


Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Credit beraus have in my credit report acount, information of my XXXX  brother. They are confusing me with him and are putting all this debts, auto loan, collectors and child support that do not belong to me. I open disputes and what they only fixed was my name and social security number and adress. But they just updated my personal information and did not changed the other inaccurate information. They closed the disputes saying that my account information was accurate. I been trying to dispute their decisions back again and they are just supposedly reinvestigating. One of the accounts have been closed because it was paid off by its owner so I cant reopen a dispute for it. So its basically staying in my credit report record and its affecting it. Im trying to finance a truck and I cant due to this error. Its showing financial institutions that i have a bad credit and debts when i do not and my credit is incorrect. I personally dont have any debts i just finish paying my truck with no late payments. I also sended a letter with copies and proof of identity of my social security, Id and birth certificate and i havent received an answer or a solution. I want them to double check on the information and for them to make sure on the name and social security number of the accounts. See my proof of identity to know that im not the owner of this accounts. Delete all inaccurate information, debts, collectors, auto loan, child support that do not belong to me. Fix my Credit report and score as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all this things that are showing on my report belong to my XXXX brother and are not mine. I want them deleted from my credit report as soon as possible. Only accounts that do belong to me are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I Called XXXX XXXX and Paid Complete Balance XXXX ( approx ) In Full Via Phone. 
BEFORE I MADE THE PAYMENT, I ASKED IF THE DEFAMATORY REMARKS AND THE INCORRECT STATUS ON MY CREDIT REPORT WILL BE REMOVED. I SPOKE TO XXXX PEOPLE WHO CLEARLY STATED ALL REMARKS EXCEPT XXXX 60 DAYS LATE ON ANY PAYMENTS WILL BE REMOVED " CHARGED OFF XX/XX/18 '' AND BALANCE OWING XXXX WILL BE REMOVED. 
XXXX XXXX HAS A RECORDING OF THIS CONVERSATION WITH BOTH EMPLOYEES. 
XXXX WEEK OF XXXX I CALLED XXXX XXXX EXPLAINING DEFAMATORY REMARKS AND INCORRECT STATUS NOT UPDATED. I WAS TOLD BY A XXXX XXXX EMPLOYEE THAT THE XXXX STAFF MEMBERS I SPOKE TO WERE WRONG, REGARDLESS IF THERE'S A RECORDING, THEY WILL NOT CORRECT THE ERRORS ON MY REPORT. THIS IS FALSE REPORTING. 
PLEASE LOOK INTO THIS AGAIN. THANK YOU
Product: Mortgage

Under the CFPBs new rules, dual-tracking when the servicer moves forward with foreclosure while simultaneously working with the borrower to avoid foreclosure it is restricted. Servicers can not start a foreclosure proceeding if a borrower has already submitted a complete application for a loan modification or other alternative to foreclosure, and that application is still pending review. A loan Modification packet was submitted on behalf of the client on XXXX/XXXX/XXXX to your office. It was confirmed the documents have been recieved with your office. The borrower complied with all request for documents. Your office informed our office on XXXX XXXX that additional documents were needed and the file is in review. Yet there is a active sale date. As stated above you are required to postpone or cancel the sale date while the file is in review.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern, I have several unauthorized and fraudulent inquiries reporting on my consumer report and I am being heavily affected by them. These inquiries were made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never authorized any of these companies to view my consumer report. Not only is this a breach of privacy but your company is also in direct violation of the FCRA. I am requesting you validate and verify these inquiries by providing me with a contract bearing my signature that authorized all inquiries. 

If this documentation is not provided to me within 30 days these inquiries must be removed immediately, if you fail to do so you are willfully in non-compliance by continuing to engage in fraudulent practices. Furthermore, you are in violation of the FCRA. 

Thank you for your attention in this matter, XXXXXXXX XXXX XXXX Without prejudice, All Natural Rights Reserved
Product: Debt collection

I was charged {$7000.00} for XXXX  XXXX from XXXX XXXX XXXX on XX/XX/year> after trying them on. The tech/doctor does not let client see the bill until you have tried them on, have them in your ear, and ready to walk out the door. She said you have 90 days to return if they are not feeling right. These XXXX  XXXX are financed by Synchrony XXXX XXXX. The XXXX  XXXX did notwork for me, one fell out of XXXX  XXXX  twice and XXXX XXXX XXXX XXXX XXXX that well out of. I returned the XXXX  XXXX to XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, NV XXXX on XX/XX/year> well within the 90 day return period, they gave me a {$0.00} balace return receipt. SYNCHRONY XXXX XXXX  continues to send me a bill even though I have called them, I have texted them, I have sent a copy of the receipt to them.
Product: Prepaid card

I have two virtual prepaid card accounts with the company. 

Account # XXXX Balance : XXXX as of XXXX Fees charged : XXXX - XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I would like to close my accounts and have the combined balance refunded to me. 

The company claims to charge a XXXX fee to renew the card for an additional year, and charges a {XXXX} fee on top of that fee per month. I was given no record of any terms that I may have agreed to when claiming the account last year. I have received no mail or communication via email from the company to warn about these monthly and renewal fees. I was given access to these accounts as part of warranty claims for computer hardware. It is clear that the company takes advantage of their position to charge excessive fees on customer accounts. 

When I called to ask for my accounts to be disbursed by check to my address, I was told that this is not possible, and since my account has been opened longer than a year, and I can no longer request disbursement of the balance.
Product: Credit reporting or other personal consumer reports

This account was charged off but still is being reported on my credit effecting my credit score and I have yet to receive no updated information or 1099c for this charge off this is inaccurate reporting under 15 USc 1681 ( e ) B this is breaking the FCA law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Let me start by letting you know Im getting very frustrated as I have been trying to resolve this with you for over a year now. You recently sent me a letter which stated that you verified that a bankruptcy is accurately reporting on my credit report. I wrote back to you on XX/XX/2021 and did not receive a response and the disputed information still remain on my credit report causing harm to my character. Ive filed complaints with CFPB and the Missouri Attorney General against your company after I have documented that you are not telling the truth. I have evidence from the courthouse that this information was never furnished by them so your company DID NOT follow proper procedure to obtain this information. 

There is no such thing as a public record for the consumer because I have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

You can not continue to violate my consumer rights!

If you investigated this bankruptcy, tell me who you interviewed and if you interviewed them, it should NOT include facts pursuant to 15 USC 1681a ( e ). The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Product: Vehicle loan or lease

Previous attempts ( complaints ) to remedy the situation have not been addressed. Simply sending me the terms of my lease agreement does not answer the question as to why I was reported late XX/XX/XXXX and XX/XX/XXXX due to well known errors and deficiencies and the GM financial website. The GM financial website Displayed a XXXX  balance owed in XX/XX/XXXX. Based on this information no payment was made. The XX/XX/XXXX payment was made a few days late which caused a 30 day late assessment. This again occurred for XX/XX/XXXX causing a cascade effect. The fact that GM financial uses this website to except payments should imply implicitly that the information displayed on the website is correct. It was not. The website has been updated and corrected which now shows the correct payment amount. This in itself, clearly implies that GM financial was well aware of the problem. I would like the XX/XX/XXXX and XX/XX/XXXX late payment reports made to the credit bureaus reversed. I am guessing there are thousands of other customers who experienced the same problem which has other implications.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax 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 the following fraudulent accounts and inquiries identified through my investigations and verified through FTC Identity Theft Complaint # XXXX : Credit Card Account : Opened at XXXX XX/XX/XXXX( XXXX XXXXXX/XX/XXXX) on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$3300.00}. 

These fraudulent activities have also resulted in several hard inquiries on my credit report, which I did not authorize. Below is a list of fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX These fraudulent accounts and related hard inquiries have caused harm by negatively affecting my credit score and overall financial health. Attached to this complaint are : A list of hard inquiries related to these accounts A copy of my consumer credit report highlighting the fraudulent items FTC Identity Theft Criminal Complaint # XXXX as proof of identity theft and fraud I do not recognize any of the aforementioned accounts or hard inquiries. The accounts and hard inquiries appearing on my consumer credit report were not opened, made, or initiated by me. All of the items mentioned in this complaint are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with XXXX  and Experian regarding incorrect information. Numerous Disputes have been submitted They each have duplicate accounts which is damaging to my credit. I have requested this to be fixed but each time I contact I just end up with a new dispute and never a resolution. I have duplicate auto loans and duplicate collection accounts.
Product: Money transfer, virtual currency, or money service

Date of this happening : XX/XX/2020. The total transfer amount is XXXX USD. I am requesting a withdraw from my XXXX XXXX digital wallet via XXXX and transfer them to my PNC account. However upon trying to transfer the XXXX in question, the transfer displays and error message saying that PNC servers are down and that they can not complete the transaction. I called the PNC support line and was told the problem was with my specific computer and browser, yet I am able to transfer money from my XXXX wallet to my XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

car dealership run my credit 5 times after i spoke to the manager and he told me to pull up my credit scores. my credit was ranned 5 times with the following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX