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

I purchased 4 tops from a vendor online. I did not fit but the other 3 were  defective ... .. poor workmanship. I thought 1 was okay so I wore it out for an evening. Into the night the shirt became uncomfortablebodice and sleeves were twisting and did not feel good I had to purchase another shirt. When I got home i sent an email to XXXX and explained the situation. I was told it was worn and could not be returned. I responded that I liked the top and would keep it if it were able to be worn but it was defective and i would be returning it with the other 3. I was told that I would be issued a credit for the 3 but the defective one could not go back. The key word here is defective. I was told to send photos to them and I may get permission to return it. I never got a reply but I did return it and they refused to credit me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is my follow-up to my previous complaint on this platform dated XXXX to ensure that the following items are deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Equifax credit report there is information on there that has been paid off and they are still showing it on my report with balances. I reported it to the XXXX  and they said that the information was showing as inaccurate but still refused to delete it from my report. When I spoke to them after I received the response from the XXXX they told me that they up date the information every 30 days. I paid those loans off on XX/XX/XXXX and it's almost XXXX and they are still on there. There is also two hard inquiries that should have fallen off one the XXXX and XXXX of this month and those are still on there as well. She also told me that on her end those were removed but just hadn't been removed on my end. I want to purchase a house and those balances will hinder me. That is why I paid those off. Both of the other credit bureaus took those items off as soon as they were reported as being paid off. But they keep telling me it takes 30 days to report. Well if they took them off on their end why didn't they take them off on my end. When I log in to my report I still see them.
Product: Debt collection

The judge ordered that the company provide me with information about this particular account and XXXX I never got information on this account that was in XXXX they start garnishing my my wages I asked the judge to provide information I asked the lawyers to provide information no one can provide me information about this particular account but their garnishing my rages that was in XXXX were in XXXX this company is coming after me for this same account in which they didnt provided me with documentation saying that I owe this account so they file the motion to have this brought back in front of a judge but they did not provide me with the court date they sent me documentations about time and court room but they did not put the date on there I believe this company is scamming and using deception practice to obtain money that I do not owe
Product: Checking or savings account

Have a Capital One 360 account and getting great rates and then after many months went on their sight noticed I was hardly getting interest and they said they had changed the account and I needed to transfer into this new account to get the higher rate, but I was never ever told I had to do this and lost thousands of dollars.
Product: Credit card or prepaid card

In checking my credit cards accounts ( which i do regularly ) i noticed a charge on my Barclay card account ending in XXXX for XXXX  on XX/XX/XXXX. I have not used my card in over six months. When i went to check where I keep my credit cards in my desk i could not locate the card. I should also add that i hired a professional moving company in XX/XX/XXXX when I moved residences and it is possible someone from the moving company could have taken the card from my desk.Since i couldn't find a number to call to report the card lost/stolen I checked the online transaction and it said I needed to fill out a written dispute and send it to their address in Delaware. I did so immediately. 

Today I received ( 2 ) different computer generated letters from Barclays. One letter said they can not assist me and to call the number on the back of my card to speak with an associate ( I don't have the card ). The second letter said they were beginning an investigation. I don't know which letter to believe.
Product: Debt collection

IC SYSTEMS INC is attempting to collect a debt that is unverifiable and I do not owe. I expect a cease and desist and item to be deleted from all major credit reporting agencies, this inaccurate and false reporting is hurting my financial goals. I have never done business with this company and have no agreements with this company. IC SYSTEMS INC is  reporting invalidated information on my credit reports, this action might constitute fraud under both federal and state laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous complaint, I wrote that I disputed online with Experian on XX/XX/18. 
I had uploaded all my documentation and sent it on its merry way. I logged into my experain account today and tried to check on the status of this dispute. It was not showing. 
I than called Experian and they said that they have nothing from me from XX/XX/18. This is a XXXX! I know that it was upload and submitted, and now it is not there. XXXX said that it was a re dispute of another dispute and said that they will not dispute again. Well if she knew if was a re dispute than that proves that my dispute on XX/XX/18 was uploaded and she just blew Experian out of the water. I was not trying to dispute with the company again. I was asking for follow suit to the other credit bureaus and to remove this item from my Experian report. I sent in documentation to you, and Experian that XXXX  and XXXX deleted off credit reports. I was also told that Experian does do follow suits, but again that was a lie and I know this for a fact because they have done it for me 2 times in the last few months. 
Experian is a bunch of XXXX and they are not doing their job correctlty and lie about all sorts of things that are untrue.
Product: Mortgage

Your company failed to provide a complete response dated XX/XX/2016, to an inquiry that I submitted to your company on XX/XX/2016, regarding owner, seriver, Master servicer, and their addresses. Your company failed to state whom Master servicer is, along with address. You company also failed to provide address of stated servier. 

Please provide a complete response. 

Additionally I am now also requesting, site address, along with mailing address, of servicer, Master sevicer. Please provide a detailed history, of all servicer ( s ), and Master servicer ( s ), whom have serviced my account, along with dates, of service ( s ). 

Attached to this inquiry, is the inquiry from XX/XX/2016, along with response dated XX/XX/2016, in .pdf format. 

Thank you for your cooperation as we do n't want to lose our home and this information will help us to save our home.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report from XXXX of the credit agencies. XXXX, XXXX or TransUnion. 
Upon reviewing it I noticed some discrepancies that I would like to address. There seems to be a record of payments and inaccurate accounts associated with my profile specifically concerning the account under ( XXXX  XXXX ). 
I want to clarify that I have never been late in making payments for this account. Kindly provide documentation supporting any alleged payments so that we can rectify this error. If you are unable to provide evidence, I request that these inaccuracies, be promptly removed from my credit report as per 15 USC 1681b. It appears that there may have been a misunderstanding or oversight on your end regarding the reporting of information related to my account. According to the law outlined in 15 USC 1681b concerning purposes of consumer reports it is crucial to adhere to guidelines when furnishing consumer reports. As per the statute mentioned above consumer reporting agencies are only permitted to furnish consumer reports based on written instructions from the individual. Therefore, I urge you to verify whether I explicitly authorized the inclusion of this information in my credit report. Thank you for your attention and cooperation, in resolving this matter efficiently. Additionally, the FAIR CREDIT REPORTING ACT, under section 15 USC 1681 ( 2 ) ( a ) ( i ) specifies exclusions regarding information in consumer credit reports. ( 2 ) EXCLUSIONS. With the exception outlined in paragraph ( 3 ) a " consumer report '' does not encompass Within the provisions of section 1681s 3 of this title any ( i ) report that solely contains details about interactions or transactions between the consumer and the reporting entity. Kindly remove the payments from my consumer report as it violates 15 USC 1681. Failure to adequately respond by deleting the specified account from my report and providing a complimentary copy post adjustments will lead to action against your organization. I intend to seek {$1000.00} per violation for. 1. Defamation of Character 2. Negligent Enablement of Identity Fraud 3. Violations under Fair Debt Collections Practices Act specified in 15 USC 1692g 4. Willful noncompliance with Fair Credit Reporting Act outlined in 15 USC 1681. Liability, for noncompliance [ IS U.S.C. 168 In ] Two year payment history is erroneous and incomplete with all three credit agencies. 

TransUnion : 30 days late XX/XX/2023 & XX/XX/2023 60 days late. 

XXXX : 30 days late XX/XX/2023 and XX/XX/2023 60 days late. 
XXXX : XX/XX/2023 30 days late, XXXX 60 days late, 30 days late XX/XX/2023 and XX/XX/2023 60 days late.
Product: Debt collection

ALDOUS AND ASSOCIATES XXXX XXXX XXXX XXXX, Utah XXXX Subject : Formal Dispute of Fraudulent Account I would like to formally dispute the account referenced below, which has been fraudulently opened in my name without my knowledge or consent. Under the protections of federal law, specifically the Fair Credit Reporting Act ( FCRA ) ( XXXX XXXX. XXXX ), and the Identity Theft and Assumption Deterrence Act ( XXXX XXXX. XXXX ), I am requesting that you immediately investigate this matter, close the account, and remove all fraudulent records associated with it. 

Account Details : Account Number : Unknown Creditor/Company Name : ALDOUS AND ASSOCIATES Account Opening Date : XX/XX/XXXX I became aware of this fraudulent activity on XX/XX/XXXX when I became aware of this fraudulent account when I reviewed my credit report and noticed an account I did not recognize. I also did not authorize or make any direct transactions with this company. ]. I have already taken the following steps to address the issue : XXXX. Contacted the major credit bureaus to place a fraud alert and/or credit freeze on my account. 

Under the FCRA, you are obligated to : Investigate my claim of fraud within XXXX  days, as per XXXX U.S.C. XXXX. 
Cease reporting inaccurate or fraudulent information to the credit reporting agencies during the investigation ( XXXX XXXX. XXXX ). 
Remove all records of the fraudulent account from my credit report once confirmed as fraud ( XXXX XXXX. XXXX ). 

Additionally, under the Identity Theft and Assumption Deterrence Act, identity theft is a federal crime, and any unauthorized use of my personal information must be addressed immediately. 

Please confirm in writing that this account has been removed and provide a written statement verifying that I am not responsible for any debts or charges associated with this account. 

Thank you for your prompt attention to this urgent matter.
Product: Checking or savings account

ONLINE BANKING IS DISABLED. I CAN NOT MAKE A DEPOSIT OR WITHDRAWAL MONEY. I SPOKE WITH CUSTOMER REPRESENTATIVE THAT SAID ACCOUNT IS IN INVESTIGATION .REPRESENTATIVE DID KNOW A REASON OR HOW LONG WILL LAST INVESTIGATION.
Product: Credit card or prepaid card

PayPal is a direct violation of federal regulations regarding the reversal of provisional credit. In their email they stated in multiple disputes that they would reverse the provisional credit on XX/XX/XXXX and they have already processed them prior to XX/XX/XXXX. 

My account is under XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXX / XXXX /Collections XXXX and XXXX XXXX XXXX XXXX have not removed Student Loans to include Credit Agency 's Experian XXXX XXXX and XXXX. I applied as XXXX XXXX in XXXX. The loans are supposed to be paid in full as a requirement of Federal Laws and have not been done. It's on all Credit Records mentioned above to include a Collection Agency XXXX. I am a 100 Percent Service Connected XXXX Veteran and they were also previously sent all documents via US mail and emails electronically. I haven't received any response and XXXX locks me out over the website and over the phone it is routed to collections Dept only. Being a 100 percent service connected XXXX veteran by federal laws all these loans and credit corrections are supposed to be done. My school 's attended XXXX XXXX XXXX XXXX XXXX XXXX NY and XXXX XXXX AZ XXXX Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

PER THE FAIR CREDIT REPORTING ACT Section 605A. [ 15 U.S.C. 1681c-1 ] : I am sending you this letter to initiate my request for your company to first send me a copy of my consumer report and than after place a security freeze and surpress from sharing ANY information about me : XXXX XXXX XXXX 
I do not consent nor authorize the sharing of my information to the public, specifically with data aggregators who are looking to collect information on my behalf. 
I would like to have my entire credit file REMOVED from your data institution. Please complete my following requests : 1. Provide my Full Consumer File Disclosure of my credit profile : A complete overview, the set of documents & procedures and snapshot of my character including any credit information in association to my name and/or address listed in this document. 
2. Place a Security Freeze and suppress from sharing of any information about me to any other parties, unless otherwise expressly permitted by me in writing.

3. Once completed, kindly write back no later than ( 5 ) days to confirm that you have in fact, placed a security freeze on my information as well as provide me with the information needed to verify the details of my information suppression. 
My Personal Information is clearly shown below : FULL NAME : XXXX XXXX PHONE : XXXX XXXX XXXX XXXX SOCIAL SECURITY NUMBER : XXXX FULL CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX Arizona XXXX After this credit freeze has been filed, please send me written confirmation to the address listed above.
Product: Payday loan, title loan, personal loan, or advance loan

I have been trying to resolve the issue with this company for over XXXX years. I paid off this loan through a payday loan assistance company. I sent my payoff letter, my POA that I signed and the contract I signed. I also sent them the police report I filed after finding out that this company was a fraud. I filed a complaint with XXXX  and NEtcredit agreed to take it off my my credit report, but they have not. I filed a dispute with XXXX, and Netcredit stated the information was accurate. This is not what they told the XXXX  in my complaint. This has hindered me so much. I paid this company almost {$4500.00} just to find out that it wasn't the company it said it was. i just want them to stick to their word, and they have not. I keep sending in all the information they have asked me to send in and it keeps getting disregarded or they keep asking me to send the documents in over and over again. I just want them to keep their word. THey sent my info to a colletion agency called XXXX XXXX XXXX XXXX XXXXXXXX and they responded to the complaint and the complaint ID is # XXXX.
Product: Checking or savings account

There was an automatic payment set up for my checking account that would automatically deduct {$35.00} to put toward my credit card every month. This was in place for 2 years and every statement had this on it : CHASE CREDIT CRD AUTOPAY PPD ID XXXX XXXXXXXX ACH debit. {$35.00} So I was led to believe that this money was in fact going to my credit card. I went to close my account yesterday and asked them how that would impact the autopay and they put me in touch with the credit card department. 

The credit card department said they have no record of ever getting {$35.00} credit toward my credit card. 

So they said I should put in a claim for this and after I did, they said they would only give me 3 ( out of 24 ) payments back because it's in their fine print that I have up to 60 days to issue a complaint. 

I had no complaint. I was led to believe that this money was in fact going to my credit card because every month on my statement, I was told it was -- which was a lie and they don't want to accept any responsibility for the mishandling of my money. 

The charge on my statement clearly says it was going to my credit card, so if it wasn't going to my credit card, where was it going? They don't know. 

I'd venture to say that it went into their pockets or it actually just was deleted from my account and handled like an accounting mistake, but this mistake hits hard when I'm trying to XXXX XXXX XXXX XXXX XXXX  off of a {$60000.00} salary which is impossible to do. 

This extra $ XXXX ( this was on top of the minimum payment I made every month ) I thought was going to pay down my credit card to put us in a better financial position when it wasn't and I think they should be held accountable for their own mistake instead of punishing a consumer like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to Experian on XX/XX/XXXX following up said " investigation '' on XX/XX/2021 report XXXX explaining how they broke the law regarding the furnishing of information regarding an alleged bankruptcy and deletion and I still have not heard back from them.
Product: Debt collection

I have been receiving calls from IC Systems stating that I owe over {$1000.00} for a debt from when my son was born. When they first contacted me, they had an address on file that I had n't lived at for years. They also gave me a medical group that I have never used, but they used my sons doctors name who has also never worked for that medical group. I have repeatedly told them this is not my debt. I have contacted my sons doctor asking about this, they know nothing of it. I then called the hospital where I had my son. They also have no record of this. Both the hospital and sons doctors office say they have never used IC Systems as their collection agency. IC System is stating that my son did not have insurance for the first 3 days of life, but I called his old insurance and he did. They have not had correct information for a few things and I have been reserved about giving them more information because I stupidly gave them my current address the first time I talked to them before knowing what they wanted. They will not stop calling and I have told them I disputed the charges but they still say this is my debt. I never check my credit report but once they contacted me, I checked at once and found that this is on my credit report.
Product: Credit reporting or other personal consumer reports

on the uploaded document below from equifax are the inquiries i did not authorize on my credit report i have contacted Equifax and they refuse to remove them from my file all listed inquiries on the Equifax document are the fraudulent ones that should not be on my file
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having problems with accounts not being reported as paid or I paid an account to the collection agency but the original account is showing a balance and the collection has been deleted as agreed upon.The following is a list of the accounts which are not correct and which bureau is reporting it wrong. 

Conns - was paid through the collection agency which is now deleted but they are reporting a balance on all three bureaus, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX - These have been paid but are not being reported as paid in the payment status line or noted in the comments by XXXX. They are all reporting as paid in the payment status line and in the comments section on XXXX and XXXX. I paid these back in XXXX of last year. I've gone to XXXX multiple times asking for these to report correctly or to delete them. I've even got to these companies directly and they just say it was paid and that it could take up to 30 days to be reported as paid, its been 3 months now.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
I sent a letter to TransUnion notifying them of the reinsertion of XXXX  XXXX XXXX account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, TransUnion has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
TransUnion 's actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with TransUnion, they have neglected to take appropriate action, demonstrating a lack of accountabilitv and compliance with federal consumer protection laws. 

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Product: Credit reporting, credit repair services, or other personal consumer reports

I had my XXXX XXXX bankruptcy discharge XX/XX/XXXX XXXX.there is one account not reporting accuracy of a XXXX balance, XXXX credit card..I have notified both XXXX XXXX  and Equifax that they are both in violation of the bankruptcy code, yet still reports a balance of {$4100.00} which affects my utilization and credit score. Still to no avail are they removing with my letters I've sent once on line for Equifax and twice My physical letter 's to both XXXX  and Equifax..