23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I ordered XXXX cameras as order # XXXX for {$360.00} which sent to an old address. I cancelled that order immediately and received a cancellation confirmation. The next day this order shipped and billed anyway. This order went to Oregon and was never received. 

Immediately after cancelling the first order I reordered as # XXXX and corrected the shipping address but that order then overcharged me. When I called XXXX  about the errors they told me there was nothing I could do so I called and disputed the transactions on XX/XX/XXXX for the {$360.00} order amount plus the overcharge of XXXX.. 

I subsequently returned this order and confirmed the return was received. I have yet to receive my refund of {$360.00}. XXXX refuses to refund me the {$360.00} because they have paid to Wells Fargo the amount of the two orders and Wells Fargo refuses to return the monies to me. I have made multiple calls to Wells Fargo, Wells Fargo Executive Offices and a local branch. I never received a response from Wells Fargo executive offices. On XX/XX/2020 I visited a local branch and received a letter stating the claim was closed and the {$400.00} paid to me. 
Called XXXX  who claims they paid Wells Fargo {$39000.00}, {$48.00} and {$380.00} on XX/XX/XXXX and provided verification of that. I called Wells Fargo Claims and was on the phone with them almost two hours and they were to call me back at XXXX Arizona time on XX/XX/2020 and no call was ever received. I called Wells Fargo on XX/XX/2020 and spent 40 minutes on hold before being disconnected. I called the local branch and was told someone should call me tomorrow. 
XXXX  refuses to refund my money because they paid Wells Fargo an amount over my purchase price and Wells Fargo claims they have received nothing from Ring but tell me the claim is closed, it is open, it is closed and now its open again. Wells Fargo has a long history of not knowing how to manage my account and has little credibility, particularly given the claim that amount exceeding my claim are being collected from XXXX. Something smells here.
Product: Credit reporting or other personal consumer reports

on XX/XX/year> I have contacted the various Credit reporting companies and requested in accordance with Section 605B of the FCRA, we have determined that the block request may have been made in error ; is a misrepresentation of material fact relevant to the request to block and/or you have obtained possession of goods, services, or money as a result of the transaction. I demanded a reinvestigation, as before when I had ask them to investigate they did not and I did my own investigation to find that my information was stolen and utilize by another individuals for several purpose and the companies were trying to hold me responsible. ONce again I would like for them to properly reinvestigate and remove the following : XX/XX/XXXXXXXX / XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX.
Product: Debt collection

I received a call today, XX/XX/XXXX, stating that I owed {$1200.00} to XXXX XXXX XXXX from XX/XX/XXXX. My wife and I were both on the call. The lady on the phone, XXXX XXXX, claimed that we were on a recorded line and went on to state that I had two allegations against me and a complaint has been filed. She mentioned she worked for XXXX XXXX XXXX XXXX and that she was a mediator for XXXX XXXX, the attorney for XXXX XXXX XXXX. XXXX XXXX threatened that I would be served at my home or work. She had information like the last four digits of my social, my mothers name, the current company I work for and an old street name I used to live on. None of the dates coincide with what she was saying. She also mentioned someone by the name of XXXX XXXX, but when asked for clarification on who that was, she denied stating that name. When I asked for a recording of the call, she started getting upset and stated that the recording would be used against us in a court of law during the discovery period. She also mentioned that they had tried several attempts to get a hold of me and the company decided not to put this on my credit report, rather try and collect it from me through mediation and court. 

While doing some research on XXXX XXXX, I came across this website also describing the exact call I received. XXXX XXXX XXXX While doing some research on XXXX XXXX , I came across this website also describing the exact call I received : XXXX XXXX XXXX The number they used to call from was a landline in XXXX, Texas. XXXX-XXXX-XXXX.
Product: Credit card

I supposedly made a purchase through a page called XXXX on XX/XX/2023 for an amount of {$210.00} from my Apple Goldman Sachs credit card. 

I don't know about this transaction
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the issues regarding civil liability and negligence noncompliance in relation to the information you are reporting under my credit profile. Specifically, I am referencing Section 1681o of the Fair Credit Reporting Act ( FCRA ), which holds parties responsible for negligent failure to comply with the standards outlined in the FCRA.

Upon review of the information, you provided or are maintaining, I have identified discrepancies and possible violations that warrant your immediate attention. The items, as well as any potential inaccuracies or omissions in the reporting, raise concerns of negligence that may be in violation of the FCRAs strict requirements. I dispute multiple inaccurate accounts, names, addresses and incorrect negative payment history from XXXX. 

As per Section 1681o, I am requesting a thorough investigation into these matters to verify the accuracy and completeness of the information being reported. I also request that you correct any inaccuracies promptly and issue a written statement confirming your findings and the actions taken.

Please be advised that under this section, a failure to comply with the regulations of the FCRA may subject your company to civil liability for damages resulting from negligence. Given the nature of the disputes outlined above, I expect prompt corrective measures. If I do not receive a satisfactory
response within the legally required timeframe of 30 days, I will be compelled to seek legal remedies available under the FCRA, including pursuing damages as outlined in Section 1681o for any negligence.

I trust that this matter will be handled with the seriousness and urgency it deserves. Kindly confirm receipt of this letter and provide a written response outlining the steps your company will take to investigate and rectify these issues. Should you require further documentation or details to assist in the dispute resolution, please do not hesitate to contact me at your earliest convenience. 

Thank you for your prompt attention to this matter. I look forward to resolving these issues swiftly.
Product: Debt collection

I had a bad debt show up on my credit report for {$2500.00} from a company 'Jefferson Capital Systems , LLC '. I did not recognize this company or recall owing a debt for this amount. I tried calling the company at the number listed on my credit report in XXXX of this year. I spoke with a representative in another country who was asking for my social security number. They told me that they bought the debt from a wireless cell phone provider. I refused to give them my social security number and asked to speak with a manager or someone that I could better communicate with due to the language barrier. The representative hung up on me. I do not owe this company money and I am unable to get this matter resolved or removed from my credit report. I am also getting letters from other third party company 's stating they own this same wireless cellular debt with different amounts due.
Product: Student loan

I applied for the school misconduct discharge application with Navient since my school was part of a law suit that proves their misconduct. I completed the application and submitted the supporting documentation and was denied the discharge, while other people with the same circumstances I have were approved. I need to know exactly why I was denied, the letter Navient sent does not provide any detail. If the XXXXXXXX XXXX XXXX determined my school engaged in unfair and deceptive acts and practices, targeted and aggressively recruited students by misrepresenting the school, then why did Navient decide that I do not meet the requirements to prove that my school is accused of misconduct?
Product: Checking or savings account

I used to have a checking account with Capital One 360. I used this account to pay bills and for daily expenses. I also used it to send money to a few people using XXXX, people that turned out to be crooks and scammers without me knowing their true identity and intentions. I submitted Charge backs for these transfers using XXXX. 
In short order Capital One closed my account without giving me any explanation or notice in writing or otherwise. Not only they closed my account they also took over my money. There are refunds sent to this closed account that the bank did not even bother to inform me. The bank has taken over my funds at this point with no explanation. 
How is it possible that when I open an account KYC is performed on my identity etc. However XXXX allows all kinds of crooks and scammers on their network without doing due diligence? How can it be that a bank can take over your funds with no explanation in this day and age?
Product: Mortgage

My XXXX passed away on XX/XX/2024, and we opened up a probate case in XXXX XXXXXXXX XXXX where the property is located. The Court appointed me the administrator/personal representative of the estate. I have provided the letters of administration which is the document SPS requested. They stated it was not enough to provide the payoff information so we can sell the house for the estate. The probate judge then signed an order stating we could have it or to provide it to the court which they haven't. Whenever you call they have someone who answer who can not tell you anything or can not tell you what they want. Whenever they send a letter it does not describe what they want just that it is insufficient.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

Specialized Loan servicing started charging me monthly late fees once they bought my loan out from XXXX XXXX. They will not respond to my e-mail request to correct their mistake. I followed the procedure given to me from their customer support telephone contact number.
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. I have some unauthorized inquiries and some addresses on my credit report I would like removed. Inquiries : ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ) Addresses : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. 15 USC 1681s-2 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 am 100 % XXXX veteran and my loan interest has not changed since before I joined the military. I am curious why Im paying loan debt still, President Trump passed a bill for XXXX veterans to get their student loan debts waived.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX Account number : XXXX Account name : AES/ECMC Account XXXX : XXXX Account name : XXXX  FIN Account number XXXX XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account XXXX : XXXX  Account number : XXXX
Product: Credit card or prepaid card

On XXXX XXXX, I applied for a credit limit increase for {$12000.00} on WELLS CARGO ACTIVE CASH CARD and was denied an extension of credit by WELLS FARGO.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXXXXXX XXXX XXXX Acct # XXXX has violated my rights. 
15 u.s.c. 1681 section 602 A states I have the right privacy.

15 USC 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a 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 submitted this complaint AGAIN to update this suspicious information. 3 Credit Bureau must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX TO XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TO XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Received a fraud alert before I received the card. 

Multiple phone calls, somewhere around XXXX, have been told XXXX times the problem was resolved, but, it wasn't, next calls keep resulting in letters I need to wait for. Letter had no useful information. 

I have the card, but, they keep giving me runaround about verifying information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped from XXXX to XXXX for no apparent rason with Equifax and XXXX on XXXX. I have just recently uncoveed the culprit behind these egrigous errors. That culprit is XXXX. Apparently XXXX has erroneously put my account into collections without my knowledge back in XXXX when I had disputed a final bill they sent me. XXXX sent me a false bill of {$590.00} in XX/XX/2019. I disputed this bill beause it was wrong. I filed a complaint with the New York State Attorneys office in XXXX showing XXXX   corrupt actions. In XX/XX/2019 I received an email from XXXX where they made the final adjustments to the bill leaving a balance of {$220.00}. I paid this bill on XX/XX/2019. The bill should never have been sent to collections. This illegal action was retaliation from XXXX because I filed a complaint with the New York State Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

1I Sent my letter off on XX/XX/2022. 1 told the credit bureaus to investiage every piece of information on the accounts I have listed below. Also I have attached the letter l sent out and here is the Tracking number XXXX XXXX XXXX XXXX XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion there of in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX This information is reporting wrong and they couldnt have verified it I sent XXXX a XXXX letter to get the info on the account and it was returned because they sold the account this information needs to be delete asap thank you
Product: Debt collection

I first received a call from another number associated with " capital link management '' on XX/XX/2021 it was XXXX XXXX XXXX. No message was left and i only found out who it supposedly belonged to via an intensive internet search. A compliant was filed with the XXXX regarding this and this company agreed to only contact me via mail as i requested on XX/XX/2021. However, this same company called at XXXX using a different number XXXX XXXX XXXX. This time an actual message was left with no identifying information as to who they were nor that they were collecting a debt. However, they did give an ultimatum that if i didnt call back by close of business that day, i would be marked as non compliant. Not only was this second call a direct violation of the agreement with the XXXX. The tactic is in direct violation of many fdcpa laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently mailed letters out certified mail to XXXX and Equifax to remove incorrect addresses from my credit profile it has been over 30 days and I just purchased a updated credit report and the addresses are still on my credit report and they even added a address to my report there should only be one address on my credit report
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : - XXXX  || Account number : XXXX - XXXX XXXX || Account number : XXXX - XXXX || Account number : XXXX - XXXX || Account number : XXXX - XXXX XXXX || Account number : XXXX - XXXX || Account number : XXXX - XXXX XXXX || Account number : XXXX - XXXX XXXX || Account number : XXXX - XXXX XXXX ( Original Creditor : XXXX ) || Account number : XXXX - XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) || Account number : XXXX
Product: Debt collection

A debt collector named Credit Adjustments keep calling me and also has sent regular mail to my business demanding payment for a bad check written to an online company named XXXX  XXXX  in the amount of {$110.00} in XX/XX/XXXX. 

I repeatedly have told Credit Adjustments that this debt is not correct and is impossible because my company filed as a Corporation with the State of California and was not opened until XXXX of XXXX and that it is impossible for me to have written a bad check in XX/XX/XXXX and that they can verify this information by visiting the Calif State website and look up my corporation name of XXXX XXXX XXXX and verify what I am telling them is the truth. 

However, they continue to harass me after I verbally informed them to stop calling me and stated they are in violation of the Fair Debt Collection Practices Act. I have since written an email to this company since asking them to stop calling me did not stop. 

I then wrote an email to this company called XXXX XXXX  and informed them of the same, and they sent me back an email and they stated they asked Credit Adjustments to stop calling me for this collections for this check.

This company Credit Adjustments has obviously violated the Fair Debt Collection Practices Act and should be held accountable for their actions so they do not continue these practices to others. 

Best Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Prior complaint # XXXX In an attempt to rectify this deceptive at by the car dealership and lender whose falsified payments being made on a loan for a XXXX XXXX XXXX XXXX which never happened due to uncovering the vehicle had been wrecked and resold multiple times prior to our agreement and was not disclosed to us. The car immediately went into a lawsuit against XXXX XXXX and XXXX XXXX XXXX. Please see the attached document and responsibility of the vehicle being retracted back to the dealership. Being that my credit report is miscategorized on purpose, it is definitely an intentional act placed by the lender. I want this vehicle immediately removed off of my credit report and my additional signer credit report. We have endured enough with this bad deal. If not, I will seek immediate action.