23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to formally lodge a complaint regarding my recent experience with XXXX related to an order that was never delivered. 

I placed an order for furniture through XXXX. Unfortunately, the order never arrived. After reaching out to XXXX 's customer service, I was informed that they would offer a credit through their site. However, both XXXX and their associated company, Acima, have refused to take responsibility for this situation, leaving me with the burden of payment for an order I did not receive. 

Additionally, XXXX instructed me to wait an extra day to see if the order might show up. This delay not only extended my frustration but also pushed me past the time frame to file a complaint with XXXX  regarding the missing package. As a result, I am now left with a bill for an order I never received and without the furniture I needed. I contact Acima which the company that I went through for credit and they refuse to handle the situation. 

This situation feels unjust and illegal, as I am being held financially responsible for a transaction that was not completed. I kindly request your assistance in addressing this matter and ensuring that consumers like myself are not subjected to such unfair practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Duplicate Accounts on all 3 of my Credit Report. XXXX XXXX XXXX. And XXXX XXXX XXXX XXXX XXXX. XXXX is a Charge off XXXX XXXX XXXX is in Collections. XXXX XXXX. I Disputed and Transunion stated they Verified this Account as Accurate. How??? They didnt Investigate. The FCRA states that I am entitled to a Fair and Accurate Credit Report this is illegal. Beyond Fair
Product: Credit reporting or other personal consumer reports

I am currently a XXXX  veteran XXXX  my country in XXXX. I became aware of a debt XXXX  XXXX # XXXX for {$12000.00} that is not my debt. I sent in a dispute to Equifax and XXXX and they sent a letter in return saying this account is verified. I asked the company to send me proof of debt and they did not. according to 15 USC 1681B. the credit bureaus are to report accurate information. in this case they did not. this has caused irreparable damages to my military  career and this false negative collection. accounts must be removed asap for shame investigations by Equifax< XXXX and transition. remover the following collections from my credit profile now XXXX acct # XXXX {$3500.00} XXXX  acct # XXXX {$12000.00} XXXX  XXXX {$10000.00} remove this items now so my credit profile can report accurate information according to the fcra. The CFPB found Equifax violated the FCRAs requirements for investigating and processing consumer disputes and assuring maximum possible accuracy of information on its consumer reports. The CFPB also found that Equifax violated the law by using ineffective systems and flawed processes, and excessively deferring to furnishers to address disputes. Specifically, the CFPB found Equifax harmed consumers by : Failing to thoroughly investigate consumer disputes : Equifaxs process for submitting disputes limits the ability of consumers to fully and accurately describe their disputes. In many cases, Equifax also failed to consider relevant information submitted by consumers, sometimes not looking at the information at all. Then, after Equifax forwarded information about a dispute to a furnisher, it did not meaningfully consider whether the furnishers response made sense, sometimes ignoring information it had that contradicted the furnishers response. Finally, the resulting letters Equifax sent to consumers sometimes contained confusing or contradictory statements, such as both this has been verified as accurate and this item has been deleted. Putting previously deleted errors back on credit reports and failing to block identity- theft related information : Equifax did not have systems to detect information that was previously removed and block that information from again appearing on the consumers credit report. In addition, Equifax also had no process to identify situations where a consumer is forced to send another dispute about the same inaccurate information because Equifax failed to correct the information the first time, or because Equifax reported information that had previously been corrected. Equifaxs policies limited consumers ability to dispute inaccurate information being put on their credit report. Finally, Equifax reported credit information that it should have blocked because the information resulted from identity theft. Sharing inaccurate credit scores and data about consumers with lenders : Coding errors in Equifaxs internal software caused the company to miscalculate and share inaccurate credit scores for several XXXX XXXX consumers. The company also reported the same credit accounts multiple times for more than XXXX consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Privacy and confidentiality under XXXX XXXX XXXX. 

XXXXXXXX XXXX  # XXXX, XXXX  XXXX # XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX and XXXX  XXXX  # XXXX XXXX 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 seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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: Checking or savings account

I purchased a gym service on XX/XX/XXXX with my Wells Fargo debit card, i cancelled the service by calling XXXX XXXX  XXXX XXXX XXXX, XXXX, CA Around XXXX XX/XX/XXXX i was told by the worker that the service was cancelled and wasn't going to be charged for the XXXX Renewal. On XX/XX/XXXX on my Wells Fargo checking account XXXX XXXX made an unauthorized charge of {$280.00}, i called XXXX XXXX again and asked why i was charged that amount when i called before hand to cancel the service and they told me the charge wouldn't be reversed, on XX/XX/XXXX i called Wells Fargo to dispute the charge of {$280.00} from XXXX XXXX and talked to a Wells Fargo Banker they told me even if i changed my debit card for my account i was still going to get charged by XXXX XXXX because it was seen as a recurring payment but i still opened a dispute for the {$280.00} and was told i would get provisional credit until the investigation was done and i would see if the provisional credit was permanent or not, i was charged again by XXXX XXXX  on XX/XX/XXXX for the amount of {$39.00} but this time i just went directly to Wells Fargo to dispute that transaction, its still being investigated for the charge of {$39.00} but i don't think ill also win this dispute because later on XX/XX/XXXX i received my final letter from Wells Fargo for the dispute i opened on XX/XX/XXXX for the amount of {$280.00}, the letter basically told me that i lost the dispute for the unauthorized charge and that the provisional credit i received will be charged to my account for a service that i never used after i cancelled it, if you can please help me with this issue. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

please review the following accounts that are reported on my credit report, without any authorization, it is hurting me Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft TARGET/TD Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 
. Identity Theft XXXX Account Number : XXXX This is not mine. 

Identity Theft TARGET/TD Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I received this and it does not resolve the problem I am having on line. I will NOT call your automated system that never gets me to a live body! So how the XXXX do you expect for this to get resolved????? The attached response is more ridiculous than I can imagine. Apparently you just wanted to close the complaint so this was your response???? Really????? I'll say it again you XXXX  XXXX and don't k now how to resolve problems!!!! XXXX XXXX!
Product: Credit reporting or other personal consumer reports

Comenity Bank/Express agreed to remove late payments reported to the credit bureaus. The late payment was corrected with XXXX credit bureau but XXXX and XXXX still reflect the late payment.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C.

1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : ACCOUNT FRAUDULENT INQUIRES : INQUIRES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I received my credit report on DATE and noticed that there were hard inquiries that didn't have a permissible purpose to be on there. These hard inquiries are keeping me from getting approved. I have already reached out to the credit bureaus about this multiple times, and they keep violating my rights under 15 USC 1681b. I have also attached the hard inquiries that DO NOT have a purpose to be on my report. 

( XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX  XXXX  # XXXX XXXX, XXXX  XXXX ( XXXX XXXX  XXXX ) XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two collections on my file. I contacted the companies to settle the debt and received an agreement to settle and remove the items from my files. 

I provided this information to the credit bureau and they removed the balance only. They did not remove the item from the file. 

The items in question are : 1 ) XXXX XXXX ( Account number XXXX ) 2 XXXX XXXX XXXX XXXX ( Account number XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit, Reporting Act. This creditor has violated my rights. Under 15 USC 1681, section 602 states I have the right to privacy. Fifteen USC sixteen eighty-one section six oh four A section two it also states a consumer reporting agency can not furnish an account without my written instructions. Under fifteen USC 's one six six six B. A creditor may not treat a payment on 'a credit card '' account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

This is my first 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX, XXXX, GA, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXXXXXX Balance : {$990.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXXXXXX Balance : {$990.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$860.00} XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 had a buy now pay later loan with affirm I lost job couldnt pay the account went to collections. I paid the collection amount in full and still as of XXXX it shows on credit report I owe even tho I have contacted affirm and the collections company with documentation proving collection was paid they will not update reports l
Product: Consumer Loan

I wrote them and attached a copy of the cashed check I sent them : -Original Message -- Date : XXXX/XXXX/2017 XXXX AM To : XXXXXXXXXXXX Subject : You cashed the check, but is not reflected on my a Acct - Line of XXXX { Accounts } Why is the attached copy of the check you cashed from me not reflected on my account? Please correct not only this balance adjustment, but also adjust down the interest that has accumulated on the higher balance. 

They responded with : Topic : Accounts Subject : Re : You cashed the check, but is not reflected on my a Acct - Line of Credit-XXXX { Accounts } [ # XXXX ] From : Customer Support XXXX/XXXX/2017 Hi XXXX, I hope you are doing well today! 



I understand your point regarding line payment. I have reviewed your account and see that, you have processed the line payment from your credit card. Please be informed that, you can not make your loan/line payment using your credit/debit card. Also please know that to make a payment to a consumer loan or line, use the Move Money service within Online Banking. Hence, the payment of {$1000.00} has not been posted in your line account. 



For more information regarding line payment, you may contact our Loan Servicing Department at XXXX and they will assist accordingly. Our specialists are available M-F XXXX to XXXX Sat. XXXX to XXXX XXXX. 



Have a great day! 



Regards, XXXX XXXX SunTrust Bank- XXXX XXXX XXXX Join our movement toward financial confidence at XXXX This is not my first bad experience with Suntrust . They also did this to one of my mortgage accounts, causing my credit score to be lowered, and forcing me to stop payments on checks ( costs to do so ), while not posting my payments for three ( 3 ) months.
Product: Credit reporting or other personal consumer reports

This complaint is my final communication regarding your claim that the information below has been verified and that the information being reported is accurate. XXXX XXXX XXXX has avoided liability of furnishing incorrect information to the credit reporting agencies far too long and if this information is not removed, I will be filing a statement of claim against your company. I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence for account POSSIBLE FINANCE. Last month I submitted a cfpb complaint, and you gave a generated response and provided no validation or explanation to the reporting of incorrect payment history, date last active, and loan balance. XXXX has since removed this inaccurate account but your company is still furnishing information to XXXX and XXXX. You are also reporting 2 different account numbers for the same account. I have requested your method of verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. Please see the attached 3-bureau credit report which shows the inaccurate information.
Product: Credit card or prepaid card

I purchased a watch using my Discover card through XXXX. The watch arrived broken. I disputed through Discover. The merchant ( XXXX watch ) and I came to agreement to resolve the issue after which I closed the dispute with Discover. XXXX never received notice that the dispute had been closed. XXXX officially closed the case on their end, siding with me, not paying the merchant, because they never received notice from Discover that I had closed it and it should go in the merchant 's favor ( them getting paid ). Discover went ahead and charged me again for the full amount on XX/XX/21. To recap : I dont have the money, XXXX XXXX have the money, the merchant doesnt have the money. Discover has the money and they refuse to accept an email from XXXX saying XXXX doesnt have the money and never got information saying the dispute had been settled in the merchants favor as proof. Discover is sitting on my money claiming they dont have it and they wont do anything about it. They wont let me open a new dispute because they say it cant be done twice on the same transaction.
Product: Payday loan, title loan, or personal loan

Payment was refused at check 'n go mailed in additional payment check date XXXX. 
Amount of Claim : {$550.00} Late Payment Amount : {$580.00} Account currently in collections XXXX XXXX who is also avoiding. 

XXXX Branch Closed XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Student loan

On XX/XX/XXXX I contacted ACS Education Loan Services to inquire about the payment history on my account. I consolidated my federal student loans back in XX/XX/XXXX for a fixed 6.625 % Interest Rate. The original loan amount was {$38000.00}. I have faithfully made payments of {$330.00} a month since then. Automatically pulled from my bank account every month. That is {$4000.00} a year I have paid on my student loans. 10 years later the outstanding balance on my loan is {$33000.00}. So I have only paid {$4800.00} on my principal balance in 10 years. How is that possible?! I looked at my payment history and noticed that the payments applied to principal and interest every month varies. Consistently, over 50 % of my payments and in some cases even more than that ( 2/3 of my monthly payment ) is applied to interest each month. Is that normal? Still trying to understand, I asked if they could forward to me an amortization schedule and was told that they could not do that. At this rate, I would n't even be able to payoff my student loan with a 30 year loan term. Does n't seem right!
Product: Debt collection

This document is to answer the additional information requested regarding reference number XXXX. 
The account number being disputed is XXXX XXXX account number XXXX for the amount of {$2400.00}. The entire amount on this account is being disputed due to my not being aware the account was opened fraudulently until it appeared on my credit report in XXXX. 
The XXXX XXXX account I opened XX/XX/XXXX and was the only one opened to my knowledge is account number XXXX. This account is paid with a {$0.00} balance since it is the only account I used. This shows on my XXXX credit report number XXXX dated XX/XX/XXXX. I am confident that I did not open another account with XXXX due to transferring my wireless services to XXXX after XX/XX/XXXX. This information can be found in my notifications with XXXX. 
Account number XXXX with XXXX XXXX was disputed as fraud after receiving notification for the second time of the account on my credit report XX/XX/XXXX ; initial notification date was XX/XX/XXXX. My wireless service had been transferred to XXXX in XXXX then XXXX in XXXX of XXXX. I remained with XXXX through the merger with XXXX and had no need for another account at any point, with established or a different service provider, after closing and paying XXXX XXXX account ending in XXXX. Due to XXXX XXXX account ending in XXXX being removed from all credit bureaus I have been under the impression the determination of account ending in XXXX was that it is a fraudulent account. Yet, repeated calls and text messages from XXXX XXXXXXXX XXXX  started up again attempting to collect this debt.
Product: Debt collection

This company violated my consumer rights and heavily impacted my credit score on XXXX, XXXX  and XXXX by sending them to collections and on my credit accounts it states that it was opened on XX/XX/2019 ; I have no knowledge of this and want this removed due to fraudulence. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " It states an entity, company, person and etc. are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts an entity, company, person and etc. post on a credit report. '' And due to Ally Financial not being able to verify the account numerous of times nor provide any type of proof I would like this removed.
Product: Checking or savings account

PNC sucks, they are intentionally delaying my dispute resolution! The details provided, in this instance, were sufficient enough, for an expeditious decision! Ive escalated this XX/XX/XXXX, to the office of the president. In hopes of expeditiously resolving, and STILL my dispute remains pending. Ive complied with all documentation request, and requested a senior level, supervisory review. Yet, theyre prolonging this, for the full 90 days. If I were a wealthy client, working with wealth management, this wouldve been resolved more efficiently! My dispute with the XXXX XXXX XXXX, started sometime end of XXXX, early XX/XX/XXXX. I didnt receive my refund, for an unused loan, the funds were returned to the company XX/XX/XXXX! Per their policy, my refund would be issued via check, in 14business days! Since they failed to follow procedure, I disputed with PNC! Provided proof of the funds being returned, yet PNC is taking the full 90 days, to issue my credit. They also never provided my provisional credit either! I feel, all of this is intentional, since I escalated a complaint. My rep also hasnt been helpful, whatsoever! Our last conversation, was XX/XX/XXXX with no updates!
Product: Debt collection

I never got a notice from this collection company that I owed a debt. They are also not licensed in my state of Mississippi to collect. So these are two violations of the Fair Debt Collection Practices. I will take legal recourse if this is not removed from my credit reports.