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

I ordered a custom cake from XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX I paid a deposit for {$100.00}. I ordered a vanilla cake with guava filling and rum soak. When I arrived to pick up the cake on XX/XX/XXXX, I waited XXXX minutes for the cake to be completed. I gave her a pick up time and reminded her via text a few days before pick up. I paid the remainder of the balance {$72.00} using my Capital One Visa. The owner made us late to my sons graduation. A few hours later after the graduation, we arrived at our venue to celebrate. When I cut into the cake, it fell apart into crumbs. The owner added chocolate without my consent and the rum soak I ordered was not present. I served crumbs on guests plates and no one ate the dry mess. The next day, XX/XX/XXXX, I contacted the owner explaining the situation and I sent her pictures as well. She refused to give me a refund or even partial refund and offered to make another cake. This was unacceptable as I needed a cake the day before for my sons graduation celebration. I had no need for another cake. After her refusal to apply a refund, I contacted my credit card company capital one and filed a dispute. Capital One contacted the merchant and she submitted a response with the receipts. Capital One forwarded me this information in a letter on XX/XX/XXXX and stated they would reapply the charges to my account. I reopened the case and submitted all supporting documentation on XX/XX/XXXX & XX/XX/XXXX including pictures, a letter, invoices and text message communications between myself and the merchant. Capital Ones response was that I lacked previously requested information. I provided everything that was requested. My claim continued to be denied despite all evidence clearly showing I ordered and paid for a particular cake and the merchant gave me the wrong order and different from what we had agreed on per invoice. The cake was also not eatable and the merchant refused to accept responsibility. I contacted Capital One once again on XX/XX/XXXX and requested to speak to a supervisor. I spoke to the supervisor XXXX from the dispute department and asked if she can take all facts and evidence into account. She transferred me to visa claim benefits as there was nothing else they can do. Visa claims stated because its an edible and perishable product, I was not covered. I use my credit card expecting to be protected against wrongful purchases. I was turned away and responsible for the payment of {$180.00} for an order different from what I made and was unable to eat. Capital One did not fairly consider all facts in my case. The final letter I received from capital One was on XX/XX/XXXX stating the case was closed.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023 XXXX XXXX report me past due 30 days for 6 months, when there associate set up auto payments for my account. With may emergent things in the family and no contact from them I was unaware they were reporting this until after XX/XX/2023, when I got denied credit. I had a payment of XXXX set up on auto, they changed their system and never adjusted my payment. I was never late. Initially the company took the past due payment off only one credit bureau report and fixed the past due payments on my credit report. They adjusted the interest and late fees and sent me a letter stating they fixed this. We were in the process of moving and misplaced the letter. I have been denied credit and given high interest rates because of this reporting. When disputing this on the other credit bureaus they denied it. I made several calls and get no response or help. This has impacted my credit tremendously. We moved to XXXX  and this still keeps my credit score low. Please help. Thank you XXXX
Product: Debt collection

Around XX/XX/2024 I recieved a notification on my credit report from company ( National Credit Management, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX ) that a debt collection in the amount of approximately {$1900.00}. 
Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report. I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A )
Product: Debt collection

Jefferson Capital System. ( XXXX ) trying to collect a debt I have never owed. I have never owned a XXXX account for the amount od {$380.00}. I have attempt to resolve this issue several time with no resolution.
Product: Payday loan, title loan, or personal loan

XX/XX/2021, I mailed out a Affidaivt of Truth ( AOT ) and a Cease-and-Desist Collection Activities to XXXX XXXX XXXX and Luckmores register agent XXXX XXXX. Inside of the AOT, I pointed out how Luckmore has violated several of my federally protected consumer rights. Throughout this entire account period Luckmore as use unfair practices in order to collect on the debt. Luckmore has threaten to file sue as well as garnish my wages, with no intentions on doing so, which is a clear violation of 15 USC 1692e ( 4 ) and 15 USC 1692e ( 5 ). Pursaunt to 12 CFR 1041.7 Luckmore has charged my debit card without my permission on several different occasions which has caused my account to become negative due to insufficient funds available. I have spoken to the CEO regarding this matter on XX/XX/2021 ( on a recorded line of my own ), and after expressing my concerns with him about the unfair and abusive practices, Luckmore placed a hard inquire on my credit report not even one minute after speaking with XXXX. Luckmore uses fake phone numbers to call me in order for me to pick the phone. XXXX has called me from a ( XXXX ) area code number which is the same code where I reside. Luckmore Finance is located in XXXX and XXXX XXXX Louisiana. Pursuant to 15 USC 1666b 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. Luckmore has placed several late payments on to my credit report which is a clear violation pursuant to 15 USC 1666b. Also, I NEVER gave Luckmore any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b.

Luckmore has cause XXXX XXXX  and XXXX due to the abusive and unfair practices. When I see an email or phone call from Luckmore, I so afraid that theyll add additional adverse actions to my credit report which is causing me to NOT get approve for my home loan.
Product: Debt collection

Hello, I have been a victim of identify theft with Conns Corporation since 2019 and have attempted to dispute this debt with XXXX three times now that shows up as a derogatory closed account on my credit report. 
I have asked numerous times that they provide me with the steps they took in validating this debt, proof of original contract with my signature, and the steps they took under 15 USC 1581 to provide me with documents and the steps they took for the required reinvestigation. I have even supplied them with a copy of my IDtheft.gov claim number and file which clarifies this contract was fraudulent, security footage shows I never was in the store on the date which this contract was signed, and they can not provide a signature that is accurate and matches my own on this fraudulent charge. I have received a bill, but never an original contract which proves this was not identity theft and fraud. A man signed this account under my name and social which was never granted and a police report was even opened, which XXXX refuses to provide me with the original contract and loan validation that proves I was in fact, the person who agreed to this account, in store as stated by Conns where the contract was signed. I can not allow this fraudulent account to remain on my credit report and will seek out legal representation if it comes to such measures to prove I was never the individual to agree to this contract or apply for such. Thank you.
Product: Checking or savings account

I signed a no over draft agreement and they were always overdrafting me charging me fees after fees it was a giant mess I was always scared to even look at my account.
Product: Debt collection

I have been continuously called by Office Vance Huffman, XXXX XXXX XXXX, XXXX VA XXXX asking for my son XXXX. They have called my cell phone multiple times and have now threatened to report me for " illegal activity '' as I am erroneously representing to be XXXX. XXXX is XXXX and still a dependent. I have his permission to act in his name. They are calling about a bad debt for a " XXXX in XXXX New Mexico. '' First this was never rented there. Secondly none of my family has ever been to that city. Third the last XXXX digits of the social security number they provided are wrong for my son. Fourth, I am not sure how they even got my cell phone number. I have advised them on more XXXX phone calls to stop calling but they persist in their harassment. What can I do to stop this nonsense?
Product: Vehicle loan or lease

Instructions given to the indenture trustee CITIBANK, N.A regarding account XXXX for XXXX XXXX XXXX have not been executed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting accounts 1. ) XXXX XXXX XXXX 2. ) XXXX XXXX XXXX XXXX, 3. ) XXXX XXXX XXXX XXXX XXXXXXXX, 4. ) XXXX XXXX XXXXXXXX, and 5. ) XXXX XXXX # 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 1666B : 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, credit repair services, or other personal consumer reports

I had an account with XXXX ( Acct. XXXX ). In 2018 I had an accident and was out of work. I contacted XXXX and an associate advised that I could have two deferments on the payments. I took those and the began paying again two months later. 
When I pulled my report recently, I noticed a string of 30 day delinquencies starting in XXXX of 2018 and running through XXXX of that year. 
I contacted XXXX and found that apparently the associate I spoke to had only applied ONE of the deferments that was granted to me. 
The payments I was making after that point were simply keeping the account from going 60 days past due. 

This is an error on the part of XXXX ... NOT on my part. I have disputed this with your bureau and it remains on my file. 

Perhaps XXXX correcting it on their system is not enough to update it on your system. Regardless is is hurting my score through no fault of my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the Federal Trade Commission and XXXX XXXX XXXX because to my knowledge, I do not recall any of these accounts. I need this problem to be fixed ASAP. I will not wait another 60 days to receive no response because clearly you all ignored me. I demand these accounts be deleted immediately or I will file for a litigation due to the XXXX you caused me. Section611 ( a ), it is plainly stated that a failure to investigate these item within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly.
Product: Credit reporting or other personal consumer reports

I am filing a complaint again Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds with 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) 15 USC. s 1681i which mandates a reasonable investigation of disputes. Furthermore Experian action may also contravene the Consumer Financial Protection Act ( CFPA ), 12USC ss5536 ( a ) ( 1 ) - ( B ) as highlight in the CFPB 's recent administrative proceeding the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit which mandates a reasonable investigation of disputes. Furthermore Experian action may also contravene the consumer.Financial Protection Act ( CFPA ) 12 USC ss 5536 ( a ) ( 1 ) ( A ) ( B ) as highlighted in the ( CFPB 's ) recent administrative proceeding ( file No. 2025 CFPB-0002 ) again them for similar violation. I request that the CFPB take action to ensure Experian complies with federal law and provides consumer with the necessary proof of investigation. I want theses reported accounts to be removed. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX.
Product: Credit card

I was charged interest on a card that specifically had 0 % interest. They did n't cancel the fee after countless calls and complaints. I have been with Bank of America for over 7 years and had never been charged interest before -- obviously that did n't mean anything to them. I will not be working with BoA again.
Product: Checking or savings account

An account at Chime was opened without my knowledge. I do not believe it was identity theft because the account was opened with my address ( debt card mailed to my house ) phone number, and email address. I am not certain how Chime obtained my information, but a thief would not have a card mailed to my actual address. 

It appears to me that Chime is up to something fishy.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 


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 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: Money transfer, virtual currency, or money service

So I go this check from my car u bought back in XXXX from XXXX XXXX XXXX in XXXX XXXX and I went to try and cash it and XXXX said they couldnt do it they told me to go to the bank it was from which is Huntington and I did and I couldnt cash it without opening up an account and I did and then I got XXXX in cash and XXXX on my account, I left and I tried to set up a transfer after it went on my account and it wont work any way I do it and I was told to do a bill pay and I tried that and then they told me I was doing fraud!? when I already went in there and they saw my face how am I doing fraud? And I have buisness with them cause I bought a car from them? it makes sense to me, and they told me to come into the branch again, and now they have did something with my account with my money on it and I cant login
Product: Credit reporting or other personal consumer reports

I purchased a car at XXXX. I made all my deposit payments XXXX debit. The final payment XXXX XXXX. The company reimbursed portion of XXXX payment, because they had the car in their service center over XXXX  months, then at another dealerships service center XXXX more weeks. After getting my car back they replied it for failing to make the final payment which was made on the date due and refunded XXXX days later. The XXXX XXXX company did not get the contract yet the placed it on my credit report increasing my debt and now I can not get a car loan to replace that car taken illegally. The issue is fraud against a veteran using federal funds. TransUnion states the issues was pulled on the XXXX of XXXX but will not post to my account for XXXX days. I now have to wait XXXX days to run a clean report and no transportation til then.
Product: Checking or savings account

My debit card with Chase with compromised and used to withdraw {$1000.00} cash from an ATM several cities away in the middle of the night. I disputed the withdrawal with Chase, but they determined I was at fault for my loss of funds and would not explain to me their justification for not protecting my funds. They demanded I file a police report, and have the local department of the city it occurred in subpoena Chase 's CCTV footage. 

Despite knowing that they don't have an real legal reason to demand this, I complied and was still ultimately done a disservice. The police XXXX I spoke with during my report even questioned why they were making me jump through these hoops.They denied my fraud claim and made me pay for the {$1000.00} that was stolen from me. 

This was almost two years ago, and I have since closed the account in question after begrudgingly paying the {$1000.00} under threat of damaging my credit. Do I still have any legal options? I only recently discovered these consumer resources. I am away from home so I do not have any documentation readily available but upon request I can produce account statements, and the police report I filed with XXXX XXXX PD.
Product: Credit card or prepaid card

On XX/XX/2023, I sent in documentations to verify my identity with Ally Financial services. I'm going to assume the information was recieved because they sent me a card on XX/XX/2023. On XX/XX/2023, I attempted to add my card to my XXXX XXXX account and I contacted to verify the information to successfully add it on to my account. However, when I was contacted I was told because I just got the account and because I didn't call from my number that's on file ( phone was dead ), that I needed to send all this information in again because they believe it's fraud. To be accused of doing fraud towards myself is beyond me and then each representative I spoke with had a disgusting attitude and demeanor. There's absolutely no reason why I need to keep sending all my personal information to this company because it's beginning to feel sketchy and fraudulent. I also want to put on record that I am lawyer. I've also uploaded proof that I sent this information to this company on XX/XX/2023.
Product: Credit card

Capital one closed my account. I pay on the account more than what is required. I submitted a payment on Friday and they tried to pull it from my account on Sunday. My bank declined it because I had not put the money in the account. Nobody usually does anything on Sunday so I was completely unaware. The card also had cash back rewards and they just took that.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I opened an installment loan with Sunloan Company. On XX/XX/XXXX Sunloan company pulled a hard inquiry of my credit report. I did not authorize this hard inquiry.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit reports and am writing to dispute the following fraudulent and illegal information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX account was opened in my name, however it was a result of identify theft. Reports have been filed and original company even verified it was fraud and removed the debt then continued to sell the debt to a debt collection agency and re add it to my report. Please tell them to cease trying collect on this account which is not mine and removed it from my report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Since XX/XX/XXXX, Discover Bank has continued to report inaccuracies on my credit report to the bureaus. I have tried multiple times to resolve this with Discover 's Fraud team who knows that this account had severe unauthorized activity and the account was closed due to it being compromised. Even though Discover closed the account due to unauthorized activity and fraud- they never conducted an investigation into the transactions to get the funds back and they are reporting it as my debt. I only had a balance of XXXX on my Discover Card that I had access to and they are reporting over XXXX to the Bureau 's which is impossible because that is 3x over the spending limit that I even had. They are stating that it will stay on record until 2029 which is very unfair. I have no issues with a lot of other credit cards, loans, etc that I have paid off or am working to. However, this balance is vastly inaccurate and it is ruining my ability for future credit cards, applications on apartments/houses, banks, etc.
Product: Money transfer, virtual currency, or money service

I submitted a request to coinbase.com on XX/XX/XXXX for help with my account. They got back to me on XX/XX/XXXX saying that A support member would be in contact with me to fix the issue. In the mean time I called twice and waited 2 hours on the phone with an operator only for them to tell me they couldnt help me and to wait for an agent to respond to my email. They even told me I would be put on the priority list. I continued to email them 5 more times since XX/XX/XXXX until today. Still havent heard a single word regarding my complaint. This has caused my funds to be unnattainable for over a month in a market that moves every hour of every day.