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

I purchased a plastic door bin for my refrigerator. I ordered it online and paid XXXX the amount of {$120.00}. The item arrived broken. I returned the item to merchant, see attached return receipt. XXXX refused to refund or replace the item. I filed a dispute with credit card co. XXXX claimed that I received the item in good condition. Credit card XXXX denied my dispute. Why would I return an item if I received it in good Condition '' and how would merchant know the condition of the item that I received. The plastic door bin arrived broken. It was packaged improperly. I don't have a door bin and merchant has my money. My credit card company has refused to make this right.
Product: Vehicle loan or lease

they are provide wrong information from where Vehicle came from where its was brought at in XXXX mi XXXX this company don't existing if you looking up in call them ain't nothing go show up. this company is fraud I'm bout to sue them
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently purchased a 2nd home and after purchasing a home, I started using my credit card late XXXX, 2019. Naturally, my credit balance on my credit cards went up. However, I was looking at my credit report and noticed that my credit score with Trans Union went from XXXX to XXXX then XXXX. 

I would like to file a formal complaint because, first, I have not even received my credit card or mortgage bill from those purchases and my credit score lowered by 30 points? Second, whenever I have debts on my credit cards, I pay them off in full as soon as I get the statements. 

I think that is unfair to customers who make sure to protect their credit scores to have 30points less on my score for purchases I made without any bill to pay. What is the point of having a credit card if that will affect my credit score whether I pay it off right away or not. This is so upsetting and unfair practice.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and as a result, my credit report contains multiple fraudulent items that I did not authorize or initiate. Specifically, there are 5 accounts and 15 inquiries that were added to my credit report without my knowledge or consent. 

Fraudulent Accounts : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have already reported this identity theft to the Federal Trade Commission ( FTC ). I request that these fraudulent accounts and inquiries be removed from my credit report immediately to restore its accuracy.
Product: Vehicle loan or lease

I had a vehicle financed through  Santander Consumer USA  from  XXXX    XXXX  . The purchase price was {$13000.00} two months go by before they applied a whopping {$12.00} on the principal in  XXXX  of   XXXX  . They have robbed me of several thousands of dollars during the time of purchase to the end of the car being totaled out due to an accident. I purchased the vehicle in    XX/XX/XXXX made my payments on time and the balance never went down. I was unaware of the fees that they were charging me! Since the car was totaled out my insurance company paid the vehicle off plus I had GAP coverage that should have taken care of the remaining balance of the loan. But somehow they are reporting that I still owe {$3400.00}!! There is no way that this could be possible!! I am in need of a new vehicle and am unable to obtain a loan due to their tactics. I also noticed that when my insurance company paid them they applied the amount in separate transactions and paid  XXXX  to interest!! That should have all went to the principal. I called and spoke to a rep and she had said that this was normal?!! I started researching this company and have seen all the lawsuits and complaints and feel that they need to cease their unlawful practice. I would like this item removed from my credit report due to the damaging and deceptive practice they placed upon me.
Product: Credit reporting or other personal consumer reports

I went thru Experian credit bureau to dispute the information it came back updated days later when the info still incorrect. I uploaded and highlight todays recording of the payment history and reports.
Product: Checking or savings account

My mother has XXXX, she is also XXXX, Chase bank refuses to honor my Californian POA which she had a lawyer draw up in the late XXXX 's Chase bank said that a POA isn't good enough, that i need a form signed by her saying she understands what a POA is well that's a hard thing to do, she is so far down that XXXX XXXX XXXX, she understands nothing now, plus by law she can't sign anything, i have a paper from her doctor saying that, i need to be in charge of all of her accounts to make her end of life better, but Chase bank says no we can't help you, so after her passing i will go down to the nears Chase with her death certificate and close every account plus pass out papers saying how evil Chase bank is
Product: Debt collection

First National has no right to collect on a debt delinquent from XX/XX/XXXX. Nor have they provided validation information as required by the FDCPA. 

I have requested a validation of the debt your company claims I owe. In response, I received a letter noting the amount ( XXXX ) on XX/XX/XXXX. Consumers have the right to request a validation of debt to ensure the company collecting the debt has not made an error. Sending me notice of the amount I supposedly owe does not prove that I owe the debt, it merely proves that your company seeks to collect the specified amount. 

Please note I am not requesting a verification of your records. I am requesting proof that I incurred this debt, how much was incurred, and that you have the right to collect it. Proof of my liability is my legal right under the Fair Debt Collection Practices Act. Furthermore, based on the information regarding this debt provided by your representatives, I believe this debt to be in error partially or wholly and request proof as stipulated by the FCRA. 


I Request : -Proof that First National Owns the debt/ debt has been assigned. 
-Copy of Statements from original creditor, XXXX . 
-Copy of Original signed loan agreement/ credit card application. 

Furthermore, I challenge the ability to collect a debt which is past the statute of limitations. In order for this alleged debt to be mine, it would have had to become first delinquent in XX/XX/XXXX, well past the statute. Attempt to collect as debt past statue is a violation of FDCPA ( section 809 ) and places First National in a positon to be fined and sued. 


Finally, I request proof First National Collection Bureau is licensed to collect in the state of Georgia.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiries were not authorized and should not be reporting.

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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: Credit reporting, credit repair services, or other personal consumer reports

Transunion keeps violating my rights. I have severe XXXX and staff keeps hanging the phone up. I sent my documents over 25 times to fix my name.No one is hearing me out about my concerns.They keep sending responses back to cfpb saying they are not going to fix the problems. I am not getting any XXXX accommodations when I call which is a violation of the American XXXX act and staff is keep being rude. I asked so many times remove suffix sr from name.Transunion claiming that they never received my ID and SSN card even I submitted it through cfpb site over 20 times. 
I filed a civil lawsuit last week because of ongoing incidents I am having with Transunion.The name and inquiries are not mine. I dont know what else to do. I am hearing impaired they keep hanging up on me and being XXXX towards me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$370.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$810.00} XXXX XXXX XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

They have sent Judicial summons for court after almost a year of explanation of identity theft
Product: Student loan

Sent an email to Navient requesting the School Misconduct Discharge Application on XX/XX/year>. Gave them both my email and address. Never received. 

Called Navient on XX/XX/year> and requested the application. Was told it would be sent to my email within a couple days. Never received. 

Attempted to call again in XXXX and could not get through. 

Attempted to call on XX/XX/year>. Phone recording indicated I was next in queue and then indicated no one was available to take my call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were company showing on my report and these report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S. Code 1666b.Timing of payments 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 has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Debt collection

Creditor Jefferson capital systems amount XXXX account number XXXX XXXX reference number XXXX debt description. XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered that numerous inquiries have been made without my authorization or knowledge I have made a complaint to the FTC. Report # XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.Dispite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to my claims adequately.They informed me that recovering lost funds was impossible and that tracking this transaction was infeasible.The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Debt collection

I have an issue with a debt collection agency named CCS Collections. The debt was originally from XXXX XXXX XXXX. I paid the entire debt of {$280.00} with a bank account I no longer have so I can  not prove I paid it. I have tried to dispute it with XXXX  and XXXX and I have also tried to contact CCS Collections by phone to let them know that I made this payment. I made the payment in XX/XX/2018. I believe it was in the summer or fall, however, it could have been sooner. The know I did not make the payment after XXXX. The agency refuses to help me since I cant prove I didnt pay the payment since I no longer have access to the old bank account I used. I believe it was with my XXXX XXXX XXXX  account, however, I could have used my XXXX XXXX account. How do I fix this? Im affected by covid-19 and can not afford to pay this a second time!
Product: Credit reporting, credit repair services, or other personal consumer reports

Re-aging an account is a violation of the FCRA ( sec 605 ) XXXX XXXX XXXX XXXX XXXX.
Product: Checking or savings account

On Wednesday, XX/XX/XXXX, I submitted a transfer for the full amount of my "Ally Invest" account to my Ally Bank Savings account, as the funds were being managed very poorly and losing value very quickly. Since that time, Ally has continued to "kick the can down the road" and give poor reasoning for why the funds have not been transferred between my accounts which are at the same institution including the funds needing time to "settle" after being divested. When bringing this matter to the attention of management at Ally Invest, my chat was abruptly ended after asking to speak with his manager, as I was very unhappy with the way he, and the company as a whole, was treating me. What I fail to understand is how a company can get away with ignoring my direct instructions to transfer my money back to me. They did a bad job, and I wanted it to end.
Product: Debt collection

Hello. This complaint is very simple in nature. I am filing a complaint against Enhanced Recovery Corporation as well as XXXX and XXXX XXXX. The reason being I have disputed an account on my credit report to the credit bureaus in question as well as directly to the creditor. I submitted these notices on the XXXX of XXXX this year. It is my understanding these companies have 30 days from receipt of my notice to provide me with investigation results. The collector is also supposed to provide me with itemization within 30 days of my request to prove the validity of this debt. I have not received either. 

Just to make things very clear, I am not an unreasonable person. Clearly things are a little delayed due to COVID-19, but that does not excuse these companies from doing their job altogether. Even if the mail was a little delayed in arriving to these companies, There has been more than ample time and opportunity for these companies to begin an investigation. Not only did I not receive any notices with investigation results, I have reviewed XXXX XXXX  and an XXXX  report as of today, and there is no note on the Enhanced Recovery collection account that any investigation or dispute is even taking place! Please know that I am very diligent when it comes to researching so I was able to obtain a valid address for XXXX XXXX and submitted my request to them via mail to XXXX XXXX. XXXX XXXX  XXXX, PA XXXX. I also sent a notice to XXXX  at XXXX  XXXX. XXXX XXXX XXXX, TX XXXX. I also sent a notice to Enhanced Recovery Collections at XXXX XXXX XXXX, XXXX, FL XXXX. NONE OF THESE COMPANIES HAVE RESPONDED IN ANY WAY! 

At this point I need this collection to be removed from my credit report. Even if this was a legitimate collection, these companies have not adhered to the Fair Credit Reporting Act or the Fair Debt Collection Practices Act respectively. Thank you for your assistance in this matter.
Product: Debt collection

I received a debt collection call from Bank of The West from a representative by the name of XXXX on XX/XX/2023, at XXXX he left a message on my voicemail and then the same representative called again at XXXX on XX/XX/2023, again and left a message. I called a number that on their website that was listed as a whistleblower line, they stated that they were an outside company, but they would reach out to lender, I have heard anything. I then preceded to call Bank of The West on XX/XX/2023, before I sent this email first, I was hung-up on/disconnected, I called back spoke with a representative, explained the situation and she then said hold on and transferred me to back in the main line. This collector has broken FDCPA Law on behalf of the company. I still have the voicemail messages to prove my burden of proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated an investigation on a disputed on several accounts of which several were 7 years old. The company chose to update it though the account was opened 7 years or older and inthe dusputes the consumer is not given priority in these cases. The companies are. In the event of Equifax, they had a security breach and I can not access my report. A dispute was started on XX/XX/XXXX with XXXX. Equifax would not allow me access to my report. I have been denied credit because of this.
Product: Credit reporting or other personal consumer reports

On Tuesday, XX/XX/, I received an email notification from Experian informing me that my XXXX credit score had been lowered from exceptional to very good. This change was unexpected and concerning, as there have been no recent changes in my financial behavior that would justify such a decrease. I have not taken out new credit, nor have I made any late payments. My credit reports are consistently frozen across all three credit reporting agencies, including Experian, as a precautionary measure. 

In an attempt to understand the reason behind this sudden drop in my score, I contacted Experian 's customer service. Unfortunately, my experience was extremely frustrating and unproductive. The automated phone system put me through a redundant loop of voice prompts, none of which addressed my concerns or led to a live representative. When the prompt asked if I wanted to remove the freeze on my credit file, I declined, as my query was unrelated to the security freeze. Despite repeated attempts to speak with a human representative by saying " representative, '' the system failed to provide any assistance, giving the impression of a deliberately broken system designed to avoid customer interaction. 

This experience has not only caused me undue stress but also raises serious concerns about Experian 's accountability and commitment to customer service. The lack of transparency and inability to contact a representative for an issue as critical as a credit score change is unacceptable.

I am requesting a thorough investigation into the reason behind the decrease in my credit score and an improvement in Experian 's customer service, particularly in providing accessible and efficient support to consumers. Please acknowledge receipt of this complaint and inform me of the steps being taken to address these issues. 

Experian Membership ID # XXXX