23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

ON XXXX XXXX I ORDERED A NEW RADIATOR FROM XXXX. MY CUSTOMER IS IN THE MOTEL WAITING ON THE REPAIR OF HIS FREIGHTLINER TRUCK. THE PART SHOWED AND IT WAS WRONG. THE MANGER AT XXXX XXXX ASKED US TO TAKE IT TO A RADIATOR SHOP TO BE MADE TO WORK. THE PART WAS COMPLETELY WRONG COULD NOT BE MADE RIGHT. WE SHARED THE INFO WITH OUR CUSTOMER WHO IS NOW AFRAID OF BEING STUCK IN A MOTEL OVER XXXX. OUR CUSTOMER DECIDED TO RENT A CAR AND DRIVE TO XXXX, TX AND PICK UP A RADIATOR HIM SELF. CALLED XXXX AND TOLD THE MANGER THE DEAL. TOLD HIM I NEEDED TO SEND IT BACK. HE SAID HE WOULD GET BACK TO ME. I WAITED TILL AFTER XXXX AND TOOK IT UPON MYSELF TO SEND THE PRODUCT BACK. WHILE IT WAS ON THE TRUCK ANOTHER SHOWED. A REPLACEMENT FOR THE WRONG. CALLED THE MANAGER HE SAID I ORDERED IT. WHY WOULD I DO THAT WHEN THE CUSTOMER IS GETTING HIS OWN. HE OFFERED HE WILL GET BACK TO ME. SOMETIME GOES BY AND THE RADIATOR I SHIPPED BACK GOT REFUSED AND SENT BACK TO ME. NOW I HAVE XXXX RADIATORS A PRICE OF {$1200.00} EACH AND A ROUND TRIP FREIGHT BILL THAT IS ABOUT {$400.00}. SO I 'M IN THIS FOR {$2900.00}. CALL THE MANAGER TELL HIM THE DEAL. HE WILL GET BACK TO ME. I KEEP CALLING AT LEAST ONCE A DAY. I 'M TOLD HE WILL RETURN MY CALL. I FIND A EMAIL. I SENT A FEW THROUGH THAT. NO LUCK. SO I GO TO THE CREDIT CARD AND FILE A DISPUTE. SEVERAL WEEKS GO BY AND I GET A CALL FROM I GUESS THE OWNER. TELLING ME HOW I SHOULD HAVE HANDLED IT WITH MY CUSTOMER. HE ALSO ASKED IF HE COULD HAVE HIS XXXX RADIATORS BACK. I TOLD HIM SURE THEY ARE HIS NOT MINE. HE SENT THE FREIGHT COMPANY XXXX TO PICK-UP THE XXXX RADIATORS. THEY PUT ON THE SHIPPING LABELS AND LOADED THE TO RADIATORS. GLADE THAT THAT IS OVER. NOPE HE REVERSED THE CHARGES BACK TO ME. TOLD ME I NEEDED TO PAY THE FREIGHT FOR COMING INTO ME AND BACK TO HIM. THE PRODUCT I SENT BACK AND GOT REFUSED WAS FUNNY TO HIM. HE TOLD THE CREDIT CARD COMPANY THAT I WOULD N'T GIVE THEM BACK. SO IT STOPPED THEIR. THEY TOOK HIS WORD WITH OUT ANY PROOF. I 'VE TRIED GETTING WITH XXXX TO GET ANYTHING THAT SAID THEY WHERE PICK-UP. BUT THEY CA N'T HELP ME. I 'M NOT THE ONE THAT HIRED THEM TO SHIP. I 'M STUCK WITH NO WHERE TO GO. I HAVE GOT TO PROVE SOMETHING THAT I HAVE NO WAY OF DOING. WHILE THEY TAKE THE OTHER GUYS WORD.
Product: Credit reporting, credit repair services, or other personal consumer reports

My data was shared in a breach with Equifax that led to identity theft
Product: Debt collection

Account was paid in full in 2013. After 2 years I received a notice that I still owed money. In an attempt to contact the company I was unable to resolve the issue because of the threatening manner of the debt collector.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) and XXXX  Account # XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ALL 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

I filed for bankruptcy in XX/XX/XXXX. At the time I filed all my mortgage payments were current. I DID NOT include my mortgage in the bankruptcy and continued to pay it directly to Caliber, outside of the bankruptcy. In XXXX of XXXX, I received an escrow analysis and refund, stating my payment would be modified downward due to a change from the previous year ( XXXX ) in my homeowners insurance and premium that went down significantly. My bankruptcy attorney instructed me to continue to pay my old payment, even though it had been lowered per my statement from Caliber Home Loans, until he had a chance to confirm because he stated that they had also just filed a claim against my bankruptcy for an escrow shortage ( they claimed my escrow account was short by {$3200.00} )??? According to the escrow analysis and refund they had sent the month prior, there was no such shortage? I continued to pay the original mortgage amount until XXXX when my attorney instructed me that the amount was somehow correct and would be paid through the bankruptcy trustee payment I was making, so I could begin to pay the amount shown on the monthly statements I was receiving from Caliber. I was upset by the fact that they could do this and I had seen no proof of a supposed escrow deficit. By this time, I had paid an additional $ XXXX a month for 5 months, and so they said I had no payment due as I was overpaid at that point!?! The amount began to change every month on the statements I received from them from that point on. I continued to pay more than what the payment amount was, if I could, each month. Fast forward to the XX/XX/XXXX statement they sent me and it shows them reversing 4 months of payments I made from XX/XX/XXXX through XX/XX/XXXX and saying that I now owe {$11000.00}???? And they have yet to show me in writing, or my attorney as far as I know, how they arrived at the escrow deficit they say I owed last year AFTER they had sent me a refund??? I feel that something is not right and they are trying to force me into losing my home somehow and they are collecting more money through the bankruptcy payments than what I actually owe. I worked with them for months trying to get a loan modification in XXXX and they denied it. They have never given me straight answers and each person i talk to gives me differing information! I want my entire mortgage audited and to know how they can file these things with no proof that it was owing or that I was in an escrow deficit in any way!!!!! Criminal and unethical at the very least!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern there was some fraud on my account. I would like to update my account to accurate information. I have a few inquiries that i never signed up for, i have no knowledge of and never gave anyone authorization to sign anything under my name. Here are the items that are erroneous XXXX XXXX from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX/XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX  Inquiry from XX/XX/XXXX and XXXX XXXX  Inquiry from XX/XX/XXXX. I have sent letters to these companies some were removed on XXXX but never transunion.
Product: Credit card or prepaid card

XXXX XXXX Bank, XXXX Prosper Market Place ( Prosper ), has violated the Fair Credit Billing Act. 

First, Prosper never sent my card in the mail. Several calls to the company in XXXX and XX/XX/2022 yielded no results. Prosper would always state they were not aware that the card hadn't shipped. So, not having a card available created a problem when I needed access to the credit line, so I decided to close the account. I would make payments whenever I could call in and had time for the XXXX hour hold time. I had contacted Prosper several times afterwards asking for a way to make the payments online and the company refuse to. Of note, Prosper did not report my payments to the XXXX credit bureaus. On XX/XX/2022, I received an alert from my credit monitoring service that a " new '' account had been reported as delinquent - causing a negative impact to my credit score.

Prosper has violated the Fair Credit Billing Act, 1666 ( a ) ( ii ), ( b ) ( 6 ) and ( d ) by failing to properly investigate my e-mailed complaints and requests, failing to transmit billing statements and restricting my ability to pay the remaining balance after reporting issues with never receiving the card and questioning the amount owed. 

I request the CFPB launch an investigation into the business practices of this company and hold them accountable.
Product: Checking or savings account

I got the letter by mail that chase does not like any relationship with me anymore, and they closed my account,
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note there is a fraud account Transworld on my credit report. I am requesting the removal of this account from my credit. I didnt open this account, nor did I authorize anyone to do so. Please see the attached FTC report and delete it from my credit at your earliest convenience.
Product: Credit reporting or other personal consumer reports

Equifax claims to have verified this account XXXX XXXX with them but I contacted XXXX XXXX myself and asked for proof of this allege debt and they stated they have no sick proof and then requested I contact another agency. How is Equifax validating this account when the company itself is unable too. I have asked for validation and the verification method used by Equifax. This is my final attempt to resolve this issue then I request Equifax to pay the filing fee for arbitration as I would like to pursue my claim and recover damages you are causing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Last four of account number is XXXX. This account has so much incorrect information on it and it is hurting my credit score. First the payment status on Experian shows 30 days past due but the other two show that it's charged off. The high credit on XXXX shows XXXX but the other two show XXXX. The date last active is different on all three. XXXX shows XXXX, Experian shows XXXX and XXXX shows XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a notice of direct dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information and ownership of said account you have posted to my credit file - Acct # XXXX.

The date of last activity, payment history, and status* do not align across all bureaus. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XX/XX/XXXX ), this notice includes identification of the specific information being disputed : XXXX, XXXX, and XXXX reporting for Acct # XXXX Date opened : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Amount past due : XXXX : {$1800.00} XXXX : {$10000.00} XXXX : {$10000.00} Date of 1st delinquency : XXXX XX/XX/XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX Last Payment made : XXXX not reported XXXX   XX/XX/XXXX XXXX XX/XX/XXXX Reposession : XXXX Not reported XXXX XX/XX/XXXX XXXX   XX/XX/XXXX and XX/XX/XXXX *****PLEASE SEE ATTACHMENT WITH FULL LIST OF LATE PAYMENT DISCREPANCIES FROM XX/XX/XXXX THRU XX/XX/XXXX********* also attached are the credit reports pulled from XXXX, XXXX and XXXX that show the discrepancies that i'm referring to as proof Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4,, you have the duty to review all of the information I have provided to you, to complete your investigation of this Direct Dispute within 30-days of my Notice of Direct Dispute, and report directly back to me the results of your investigation within 5-days of your completion of your investigation.

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file.

XXXX v XXXX XXXX, XX/XX/XXXX provides a cause of action for individuals against furnishers of information.

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

I'm a XXXX year old female who has had credit since I was XXXX years old. I can't say that I haven't had any issues with credit, but overall, I'm not bad with credit. I pay my bills on time and if I've run into financial issues, I will work out something with my creditor. My problem is with the credit reporting agencies. I've experienced all negative reporting from them all the time. If I'm paying everything on time, my credit file will reflect old items from previous years. For example, I had 1 late payment on a vehicle, 4 years ago, with everything else on time, and my credit score, because of this 1 30 day late payment was in the 500s. To date, I've paid off 3 vehicles, 1 mortgage, have never had any issues with my student loans that I've been carry for 25 years, however, my score doesn't reflect any of this. I've experienced sexism from these agencies when my husband and I were trying to get approved for a mortgage. He had bankruptcies and repos, all kinds of bad debt ; however his score went up to over 700, mine never made it past low 600s. I know the industry is racist because I've seen other races with horrible credit history and scores that were very high. I guess my question is who's monitoring these agencies and their racist and sexist practices?
Product: Student loan

Nelnet has ceased to accept payments on weekends. Recently, when scheduling a student loan payment online, I was unable to schedule a payment for any Saturday or Sunday. My credit card, utility and cell phone bills are all payable on weekends. Surely it 's possible for a Federal student loan servicing company to accept ACH payments on weekends as well. 

My loan accrues a few dollars a day in interest every day. If I ca n't pay until the Monday after the weekend, it costs me almost {$20.00} in interest alone. In my opinion, this is the most likely motivation for Nelnet to refuse to schedule payments on weekends. A student loan servicer should do exactly that - service my loans. They should not prevent me in any way from paying to my own detriment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX NV XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was given custody of my grandchild after he was XXXX XXXX XXXX XXXX  with a XXXX XXXX. Now that the XXXX Family have stolen my identity, through XXXX. They are stealing my child support from social security. I was given custody on XXXX of XXXX XXXX/aka XXXX XXXX XXXX. His DNA number is XXXX. His father DNA number is XXXX. XXXX XXXX XXXX stole my mail. Paid Attorney XXXX XXXX to conspire with her to take the child support. To say I was n't in court. Attorney XXXX overrule XXXX XXXX XXXX XXXX ruling. Docket number XXXX. XXXX XXXX never paid me child support. My child did n't pay me child support from social security. Because XXXX stole copies of my drivers linsenc, my social security card in XXXX XXXX XXXX. I 've changed my name to XXXX XXXX XXXX. My name have been spelled XXXX XXXX XXXX & XXXX XXXX. I began using my maiden name when I learned the XXXX Family stole my identification. Attorney XXXX XXXX placed a fraud alert on my report without my knowledge. A seven year alert. My mail was being stolen in XXXX. The United States Postal Service told me How To handle. I no longer submit a change of address. I send notices directly to who I Am contacting. I do not let any family know where I 'm living. The less any of them know about me, the safer I Am.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted proper documentation stating that I was the victim of Identity Theft. Please review and respond.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected or removed disputed items despite the evidence I have provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my right as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting an unverified incorrect erroneous bankruptcy on my credit report i have disputed the bankruptcy and they claimed to have verified it with LexisNexis why are you supplying your client in accurate unverified information i would like you to fix that since my report has no bankruptcy being reported on there i submitted a previous request to investigate and i was told that it was investigated and i had to be authenticated to be sent the results which i was i will be attaching a copy of the letter and a copy of my report showing no bankruptcy being reported on there so why are u supplying incorrect info to your clients
Product: Credit card or prepaid card

I contacted XXXX XXXX card customer service run by Barclays on, or around XX/XX/XXXX to  dispute a charge from XXXX XXXX in the amount of {$69.00}. 

Initially, I thought this was a fradulent charge because I did not remember making the purchase. XXXX, in turn, canceled, then re-issued my credit card. 

At this time I was also referred to the dispute department and was assured the disputed charge would be removed after they confirmed with the vendor ( XXXX XXXX. ) The conversations, as I understand it, were document by XXXX and they do not dispute the fact that I reported this. 

I followed up on a monthly basis for appoxiamtely 4 months until XXXX stopped corresponding. 

on XX/XX/XXXX I again noticed a charge from XXXX XXXX for {$69.00} for a re-curring membership. My first thought was, part of the reason we re-issued a card was so XXXX could not re-charge my card in the future. 

After a one hour phone conversation, XXXX was able to conference call XXXX XXXX and finally cancel my account and refund this years charge. 

Last years charge has never been resolved.
Product: Debt collection

This is an ongoing issue with Resurgent. CACH, LVNV they are all run by the same person CEO XXXX XXXX. He is the one responsible for the companies he runs. Many years ago a default judgement was obtained against me by CACH LLC the courts were told I had been served. A lie, I would later prove. I was a victim of identity theft which was reported to the FTC, the police, the social security admin It was reported to all three credit bureaus.I sent this paperwork to all the bill collectors at and everyone was so willing to help and change the way I had been reported. Everyone except XXXX companies. In fact I couldn't get anyone to talk to me all they wanted was my money and I owed nothing. Had they read the paperwork I sent to them at least 15 times they would have seen just how bad the identity theft was. They would have realized that it was not me but someone using my social security number. It could have been taken care of 12+ years ago on some of the larger credit cards. Some did sneak in in XXXX XXXX and nothing now for 5 years. But Resurgent didn't do that they kept reporting me to the three credit bureaus like I was a deadbeat. And they personally ruined my credit bu double reporting on cards, be not reporting that there was identity theft and even today you can see by their response to my last complaint how wrong they are. XXXX wrote a reply he said that my XXXX XXXX card XXXX was activated in XXXX Please see the attached. They have continued to report false untrue wrong things on me. And it doesn't matter that they to date still are reporting me and I am sorry I have been punished for a lifetime because of them. I have had to pay higher insurance rates, I have not had a new car, I cant get a traditional bank account and I am XXXX. Why because good credit opens doors and they have only slammed in my face and this had nothing to do with me. I was the victim they knew this and didn't care. In XXXX they were reporting me double LVNV and Resurgent on the same cards so it looked like two. I have attached my response to XXXX and it will show that my card XXXX was not active as he states in XX/XX/XXXX and I do not owe a XXXX. Again now they are going to remove items off my report They need to remove them the right way not a charge off as they have done with other accounts. Its called Identity theft nothing negative should be on my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

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