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

On XX/XX/XXXX, I purchased a XXXX XXXX product from a XXXX ad, which had mentioned the product was seen on XXXX XXXX. It was {$4.00}. The transaction forced you to order a supplementary product for an additional {$5.00}, which I thought was odd but I'm not used to using XXXX and ordering on line. I used my Bank of America Credit Card. When the products arrived I tried to look up the company to inquire about the second product but none of the phone numbers went through and the package did not include any contact info. I let it go. 

However, the next month, there was an automatic shipping of the same two products, this time billed {$94.00} and {$89.00}. I called Bank of America, knowing that I could not reach the company as I tried the month before, and I was told by XXXX XXXX think that is the right name ) that B of A could not dispute it until I tried to resolve it with the supplier. 

So I researched all over again on the internet ( and saw that someone else had filed a complaint against the supplier for same double billing ), found some numbers and after about two hours reached someone who absolutely would not refund the money but would refund 50 % of the next order which had already been shipped to me XXXX XXXX shipment ). I refused to accept that. I even told them to send me a copy of the contract that stated no reimbursements and they never did. I then called Bank of America again. This time I was told ( by XXXX I believe XXXX that Bank of America does not dispute. I asked why not since all other credit card companies do and I don't recall the ridiculous answer she gave me. I therefore canceled the card and said I would write to the President of B of A. 

On XX/XX/2019 XXXX health issues delayed the letter ) I sent the attached letter to XXXX XXXX XXXX. Note that the letter clearly says that I was not running away from my obligation, but because Bank of America does not dispute, ( and I asked to see where my agreement with them said that ) I was hoping for settlement with a lesser amount. 

I eventually spoke with XXXX, and all she would say is that because I agreed to a settlement with the company ( they did apply 50 % credit for the last order but I did not accept that resolution with them ), Bank of America could not offer me any assistance. I asked why they don't dispute and she said they do dispute if you don't settle with the vendor. I asked her why I was told that they didn't dispute from their customer service representative. She didn't explain. So I asked her to pull the two telephone conversations I had with Bank of America and for her to get back to me. 

To this day I have heard nothing other than getting a letter that my account is now in collection with XXXX XXXX XXXX with a balance of {$510.00} including all late fees. If they did sell this debt for pennies on the dollar, why couldn't they just admit mistake and offer me a lesser amount to settle. Now I fear this has gone on my credit report and if so, I want that removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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. 

In accordance with the Fair Credit Reporting Act XXXX reporting address XXXX XXXX XXXX, TX XXXX, an address I never lived at 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: Debt collection

When monitoring my credit I noticed that a Collections account from Ad Astra Recovery showed up on my 3 reports in the amount of {$6200.00} with the original creditor showing up as XXXX XXXX or XXXX XXXX XXXX. I have no information about this account or this amount of money that I supposedly owe. In XXXX, XXXX and XXXX of XXXX  my mail box was broken into 5 times even after changing the locks in the complex that I live. I had Credit Cards opened in my name that I took care of immediately and a Jewelry line of credit opened in my name that I took care of immediately. All which were identify fraud. I have never heard of this company and I did not take out this money. This is Identify Fraud and I would like this account removed from the 3 credit agencies. I have been disputing this account with them credit agencies for 6 months but it has yet to be removed.
Product: Credit card or prepaid card

I payed my XXXX XXXX card off in full over the phone on XX/XX/22. On XX/XX/22 they charged me an interest charge. I have talked to the company multiple times. Everyone I speak with says it doesnt make sense and I shouldnt have been charged, yet I am still getting interest compounded due to this fraudulent charge. The last person I spoke with claimed to have removed all interest charges on my account and close my account. A week later I received another bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXR account # XXXX, XXXX  account XXXX XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX 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 reporting or other personal consumer reports

I have identified information on my credit report that were not authorized. I'm a victim of Identity theft and this information is not mine. The other Bureaus are not reporting this fraudulent information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

============================================= XXXX ============================================= XXXX XXXX XXXX XXXX Account number XXXX, has violated my rights. 

XXXX XXXX XXXX  Account number XXXX, has violated my rights. 

XXXX XXXX Account number XXXX, has violated my rights. 

XXXX XXXX Account number XXXX, has violated my rights. 

============================================= XXXX XXXX XXXX XXXX XXXX XXXX xxxxxx XXXX, has violated my rights. 

XXXX XXXX Account XXXX xxxxxxxxxx XXXX, has violated my rights. 

XXXX XXXX XXXX 
Account XXXX xxxxxxx XXXX, has violated my rights. 

XXXX XXXX XXXX Account Number XXXX XXXX, has violated my rights. 


============================================= Transunion ============================================= XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

XXXX XXXX XXXX Account Number XXXX XXXX, has violated my rights. 

XXXX XXXX Account XXXX xxxxxxxxxx XXXX, has violated my rights. 

XXXX XXXX Account XXXX xxxxxx 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXXXXXX XXXX. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I have requested a refund from Nelnet under the " Cares Act '' over a month and a half ago. I have had to call Nelnet daily to get information and updates about my refund being processed and mailed to me with a check. Each time I talk to a representatives I get different answers and when I state that another representative gave me different information, they say that they were wrong and the new rep is right. I need solid answers as this is important to me. I dont need the run around. I need to know when my check is going to arrive at my address.
Product: Checking or savings account

Made cash deposit of {$900.00} on XXXX 2023 @ Huntington branch location XXXX XXXX XXXX XXXX XXXX OH. Huntington still has not credited my account with my funds. I have sent Huntington emails with attachments of the atm receipt dipicting that the transaction did occur.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXXXXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : US SM BUS ADMIN ODA 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

The account was initially reported as charged off, and when it was posted to my file as a charge off, I initially disputed the account and got it removed because I never had a car loan with CarMax Auto Finance and, as a result, it should not be reporting as an open account. In addition, the balance was reporting as XXXX. This account is reporting fraudulently on my credit report, and it is also blatantly reporting inaccurately in an attempt to lower my credit score. I also challenged this account and got it deleted. my credit history. Due to their flagrant violations of section 1681s2-b, the data furnishers at CarMax 1 . After being informed of this account, failing to conduct a thorough inquiry Possible inerrancy 2. Reopening this account just to reinstate its previous removal from my credit report ; 3. Listing the sum as a charged-off account on my credit report, 4. Adjusting this account 's date of closure, 5. The prospect of collecting any late fees related to this closed and charged-off account. This violations the Consumer Financial Protection Act, And the Fair Credit Reporting Act. I have tried everything to reason with this company, and dispute these items normally. If necessary, however, I do plan to escalate this to the federal level. I will be in contact with my lawyer. Unless you immediately remove the information from my credit file, I have filed a complaint with your state attorney general as well as the Consumer Financial Protection Bureau. The next step will be to file a lawsuit.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these itemsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Mortgage

I have requested, multiple times in writing, over online chat and on the phone to cancel my PMI since we are many months past the XX/XX/XXXX ratio. I keep being told a version of " we are working on it and it will take a few months '' all while I keep paying PMI I started contacting in XX/XX/XXXX, again each month, in XXXX, XXXX and again this month, XX/XX/XXXX. We passed the XX/XX/XXXX in late XXXX. 

Each month they keep collecting my PMI, costing my escrow and ultimimatly my monthly payment, even though it is not needed and I've requested it be removed. This involves Shellpoint Mortgage, doing busines as Newrez.
Product: Credit reporting or other personal consumer reports

There is an account on my credit report from XXXX XXXX XXXX XXXX the account number : XXXX. 
I have not received any goods or services from this company. I have never done any business with this company. This company has illegally obtained my Nonpublic Personal Information. For example, my name, social security number, and date of birth. Only a signed contract between I the consumer and XXXX XXXX would make me legally bonded to any debt that they may claim. I have never provided any wet signature or Nonpublic Personal Information to this company on any agreement. 

I have not received any Debt Validation Notice from XXXX XXXX as they were lawfully required to per FDCPA laws. 
Therefore, I was not rightfully able to dispute this account before they unlawfully caused harm to my consumer report. This is a request for proof of delivery or receipt that XXXX has sent a Debt Validation Notice to I the consumer. Written and verbal communication directed via FDCPA was not provided to I the consumer ; allowing me to properly dispute this invalidated debt. 

Enclosed is an invoice requesting {$1000.00} per account that is unlawfully reported on my consumer report. If no proof of delivery to the address below before XX/XX/XXXXXXXX/2024, I am entitled to compensation of {$1000.00} per violation. Only verified documentation will be accepted for proof that your company followed FDCPA laws. 

Address : XXXX XXXX XXXX, XXXX Maryland, XXXX This is a demand to CEASE AND DESIST as well as a notice of unlawful conduct and failure to distribute proper notice. Please remove this account off all my consumer reports immediately. 

Failure to remove this account off of all my consumer reports and failure to pay the invoice due to I the consumer will result in further legal action as well as the filing of a FTC report for Identity Theft per The Privacy Act of 1974.
Product: Credit reporting

I went in to get my report and score. I followed the instructions and I did not get it. I called and they said it went to an inactive account. They said I had to set up a new account with a new email which I did. I still did not get the report. They said I had to wait 2 hours so I waited till the next day ( today ). The same thing happened - it went to an iactive account and I still did not get a report. They were not going to reverse the charges saying it was valid. I didnto get my report. I have not gotten my report - I need a report and yet I can not get it. SOMETHING HAS TO CHANGE WITH THESE BUREAUS. THEY WANTED ME TO DO THEIR {$1.00} SCAM. I SAID NO NO NO!!!! I WANT TO APPLY FOR A LOAN AND I CANT GET MY CREDIT REPORT OR SCORE!!!!!!! You are a govt agency and you should be doing something about this. Either dissolve these scams or keep them from scamming us and allow us to receive our credit reports and scores. THIS IS BUERACY AT IT FINEST!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Vehicle loan or lease

My vehicle was vandalized right before the lease matured. The insurance company estimate was going to total the vehicle and they told me the vehicle was going to be totaled if they were going to cover it. They did everything they could to deny coverage. The company is XXXX. I currently have an attorney representing me to enforce the policy and have XXXX  cover the damages in order to return the vehicle to Infiniti of attempted to surrender the vehicle to Infiniti without any luck. Vehicle is currently damaged and I dont have the money to pay for it without insurance, theyre charging me for monthly fees after the lease is expired, and the vehicle is going to be totaled out when the insurance company settles with my attorney its all in process, but they continue to call me every day talking about repossessing a vehicle Ive attempted to surrendered both Dealer and Infiniti financial and they keep begging me to pay for a vehicle that is going to be totaled after I replaced it all is in process with XXXX  yet. Infiniti financial services is relentless on charging me for a car thats no longer usable and is going to be paid by insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX XXXX  # XXXX 30 days late on XX/XX/2019, and XX/XX/2019. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I sent a letter to Equifax on XX/XX/2022, requesting to investigate and verify the accuracy of the accounts on my Credit Report. These accounts are reporting erroneous information on my File. Despite the previous written requests sent to Equifax, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of these accounts. It is unacceptable to continue reporting these accounts as unconfirmed information without producing proof within the time allowed by law. By the provisions of the FCRA, I urge Equifax to investigate the erroneous accounts and have them corrected or deleted from my file. 


XXXX  XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Debt collection

The date it shows I did go to an XXXX XXXX but it wasn't the XXXX XXXX XXXX XXXX XXXX XXXX. The one I went to was XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I went there because I was having a XXXX, the nurse working there claimed I was having a period during my XXXX, which is not something that can happen. They took blood from me to make sure I was even XXXX, than the XXXX XXXX accused me of having an XXXX when I wasn't. I wanted my XXXX, I wouldn't have an XXXX, I nearly died because of that XXXX XXXX XXXX XXXX knew I was having a XXXX, when I saw her finally, she helped me get through the XXXX. That XXXX happened at her office at XXXX, not in a hospital or XXXX XXXX 

I called a couple days after to see if I owed any money and the lady I talked to from XXXX said that I owed nothing and would contact me if I owed anything. So I don't know where this other bill from XXXX XXXX XXXX XXXX is coming from. I won't be paying a bill that I don't know where it is coming from, I've never heard of this company before I got their mail. This is the first time they have reached out to me about a debt I supposedly owe them.
Product: Credit card or prepaid card

Capital one is reporting a 30 day late on each of my credit cards. Contacted Capital one and was told payments were made on time and these were inaccurate. And they filed a dispute and said they would be removed. That has not happened.