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

I was charged on for the purchase of male enhancement vitamins and other products. 
I contacted my bank and they refunded the funds but also initiated a dispute. The " other '' company, sent several pages over to Bank of the West which had all of my personal and bank information. They did not have my XXXX #. They confirmed that I did order the products so the bank deducted the funds again I was out of town when this purchase was made so if items were shipped, I wouldn't have been home to retrieve and I never received any type of notification about the purchase. I did not request said items. I went ahead and filed a complaint with State of Florida XXXX. They investigated as well. The company was hard to track as they didn't have a website, email address or phone #. The physical address was for a warehouse in Florida. This is the response from XXXX : " Complaint ID # : XXXX Business Name : Full Stack XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  has made several attempts to contact the business regarding the above referenced complaint. We regret to inform you that we have not receive a response. 

The deductions were as follows : XX/XX/2XXXX XXXXXXXX company - XXXX XXXX XXXX FL on XXXX XX/XX/21 {$89000.00} company - GetJAVIProductscom Tel XXXX FL XXXX These amounts were withdrawn using my debit ending # XXXX. I have since replaced this card. This was a scam. I have never used any of these companies for purchases and I would never buy from a company that doesn't have a website, email or phone #. 
Thank you for your time and hope this can be resolved and my I can get a refunds.
Product: Credit reporting or other personal consumer reports

Ive called Experian and XXXX for 5 months now they each say the opposite XXXX says they submitted my payment history and Experian says they havent looking for a credit attorney at this time Ive tried for 5 months and called them over 20 times
Product: Credit card or prepaid card

I contacted Capital One within the last few weeks regarding a refund of interest for a transaction that was refunded by XXXX XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, I charged {$200.00} to my Capital One Visa credit card toward a cruise. 

Due to COVID-19, the cruise is cancelled and my {$200.00} was reimbursed. 
I called Capital One again on XX/XX/XXXX, after having called a few weeks prior, regarding a refund of interest paid for this transaction and they refused to reimburse the interest.
Product: Debt collection

On XX/XX/2018, I saw an alert on my credit report for an account from XXXX XXXX XXXX XXXX, Original Creditor 14 Santander Consumer USA Inc. on my XXXX, XXXX  and possibly on my XXXX  report for {$8500.00}. Fraudulent account with different balances that keep popping up on my report. I am in the process of disputing and they placed this on my account without notifying me. In addition, I have found Santander to be threatening, harassing and involved in unethical business practices, violating the FDCPA laws. This has affected my reputation, caused me emotional stress and has been damaging to my scores. Please delete these accounts immediately from all three of my credit reports. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has about 15 collection accounts on my report from a range collection bureau that do not belong to me and were previously removed because of fraud.I had gotten them removed a few years ago and they recently were put back on my report. Its rediculous that I prove all these accounts are n't mine work my XXXX off to get them removed and just like that they get put back on we need to start holding these companies responsible for their XXXX
Product: Credit reporting or other personal consumer reports

What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX Social Security Number : [ XXXX ] Date of Birth : XX/XX/XXXX This complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that XXXX, Experian, and XXXX block XXXX appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. 

The fraudulent, inaccurate, and false information includes the following accounts : XXXX. XXXX XXXX ( Original Creditor : XXXX XXXXXXXX ) Opened XX/XX/XXXX {$200.00} Account ending in XXXX. 
XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) Opened XX/XX/XXXX {$220.00} Account ending in XXXX. 
XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Opened XX/XX/XXXX {$580.00} Account ending in XXXX. 
XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Opened XX/XX/XXXX {$530.00} Account ending in XXXX. 

These fraudulent accounts have resulted in several fraudulent inquiries and collections appearing on my credit report. I have attached a copy of my credit report showing the fraudulent accounts. 

I do not recognize these accounts, collections, or inquiries as reported. These accounts were not opened, made, or initiated by me and are the result of identity theft and fraud. 

Attached is a copy of FTC Identity Theft Complaint # XXXX as evidence, along with my supporting documentation. I demand the immediate removal of these fraudulent items and all associated inquiries from my credit report as required under FCRA 605B.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from Fortiva in response to a secure message that I sent and was told to call in to speak with someone, so I did. I called in and was cut off, interrupted and eventually hung up on when I asked for a supervisor. The rep name was XXXX XXXX. I called back and that was also useless. This company is a joke. They do not help with anything and the language barrier does not help. Instead of trying to understand my concern both agents just got louder and was just loud and wrong! I even called back and requested a supervisor and was told that one was not available! What a complete JOKE!
Product: Credit reporting or other personal consumer reports

I have been working on this inaccurate information on my account for how many months now. This WELLS FARGO BANK with the account number XXXX is reporting 100 % inaccurate. This account is paid in full and was never late. According to the provisions outlined in 15 USC 1666B, I believe these discrepancies constitute billing errors. It's important to note that I have consistently paid this account as agreed and on time. Therefore, the presence of these errors is concerning and appears to be in violation of regulatory standards. I have observed discrepancies in the reported balances and dates associated with this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 XXXX account has been wrongfully placed on my consumer report By your office and you are being held responsible from here and your current reporting is : XXXX XXXX of the amount of {$650.00} whom this may concern i want to inform your office that you are in violation of the fcra, you have violated my rights by reporting false inaccurate information by the placing this false account on my consumer credit report. The collection that is being reported hasnt been opened by me, I have no knowledge of the account be advised by law I have the right to PRIVACY and you credit reporting agencies have violated it by the accused collection account and date FOLLOW AS XXXX FUNDING BY LAW WHEN A CONSUMER DISPUTES WITH A CREDIT REPORTING AGENCY THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATION. THE CREDIT REPORTING AGENCIES AS FOLLOW IS XXXX, XXXX, EQUIFAX IS CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting

I have not received any disputed wrong information that I asked Experian to delete from my report since XX/XX/2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion File # XXXX Date XX/XX/2018 Transunion has not updated my payment for XXXX XXXX has not been updated as paid/current since XXXX of 2018 XXXX, XXXX, XXXX
Product: Debt collection

I received a call from IC SYSTEMS and they asked for my social security number.I asked who I was talking to before I gave that information and they got load told me they would take me to court and garnish my wages and get a judgement.they would not give any other information untill I gave my social security number and I refused untill I knew who I was talking to.very rude.the number they called from was XXXX called back and again they were load and rude and hung up on me.I have no idea what they are calling about because I wouldnt give my social security number.
Product: Debt collection

I was treated at a XXXX XXXX XXXX XXXX over the XX/XX/XXXX holiday. Due to the holiday, despite me being treated in their XXXX XXXX clinic, because they performed XXXX at the hospital on the same campus, they billed me for both hospital and XXXX XXXX services. I believe this was three years ago. I immediately paid the the first bill when it was received.

I disputed the hospital bill with them directly because their on-call radiology doctor misread the XXXX XXXX XXXX XXXX XXXX XXXX  when it wasn't. This caused the XXXX XXXX physician to sell me an expensiveXXXX XXXX XXXX XXXX. I do not believe they actually reviewed my dispute and was never notified of their findings, but instead received notification that I had been sent to collections. I was so frustrated by their overall incompetency I decided to pay it anyways. I believe this was around XXXX of 2020. 

They billed me using the two different account numbers and mailing addresses for each invoice, which I paid via my " bill pay '' services at my bank, using their information. A few months later I received notification that I had again been sent to collections for this bill, so I called them directly to resolve. 

I spent over three-hours on the phone with their billing department where I learned that they had received both payments, but due to their accounting system, they are unable to apply the funds to the correct account because someone in their company misapplied both checks to one account. I asked them what I was supposed to do about that since I don't work for them, to which they had no answer. 

I eventually spoke with their manager due to the insanity of their logic, who verified that they had in fact received both payments, but for good measure, he requested that I send them a copy of the canceled check, which I did. I believe his name was XXXX, but it's been so long now that I don't honestly remember ; however, he was supposed to call me back to verify they received it but never did. 

Shortly after this I received notification that they had again sent me to collections over this. I called them again and spent another three-hours on the phone trying to resolve this. Their billing department confirmed that they had received the canceled check showing it had been deposited into their account and that it had my correct account number on the notation line. However, again they explained that they had misapplied that payment and didn't know how to resolve the issue in their system. 

I have told them that they are now harassing me and that I am not addressing this with them again. I believe I have acted in good faith to help them sort out their accounting errors, but on top of their medical incompetence, I have spent all of the time I intend and would file a complaint if they contact me again. 

Last week I received a letter from XXXX XXXX XXXX trying to collect on this medical charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX, XXXX All Banks XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX All Banks ( XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Credit Unions XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Credit Unions XXXX XXXX Inquiry : XXXX. XXXX, XXXX All Banks XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Credit Unions XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Credit Unions XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Credit Unions XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Motorcycles & Bicycle Sales/Svc ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my information stole in a security breach. 


XXXX XXXX Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$350.00} XXXX XXXX XXXX XXXX Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$120.00} XXXX XXXX XXXX  Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$650.00} Connecticut Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$650.00} XXXX Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$780.00}
Product: Credit card or prepaid card

My wife XXXX XXXX opened up a new American Express XXXX airline credit card. She received an offer to make a referral and get XXXX points. It said if your friend is approved they will receive XXXX XXXX XXXX and you will receive XXXX XXXX sky miles. My wife sent me a referral and I applied for the card as well. We plan to get back into traveling and wanted to have an airline card in addition to our XXXX American Express card. I was approved in XX/XX/2021. My wife also received the referral bonus miles in XXXX. I adhered to the required spend to get the XXXX miles but I have not received the miles. We have contacted American Express and they said I was not approved for the offer. I never received any correspondence indicating I would not receive the welcome offer bonus of XXXX miles or I would not have went forward with opening up the credit card. I have the email indicating I was approved and there was no communication regarding not being eligible for the welcome offer nor was there any further correspondence regarding this either. I have contacted American Express they opened up a case and indicated that has been escalated to management ( reference XXXX XXXX XXXXXXXX ) but it may take 30 days or more to resolve. I shouldve received these miles months ago and we were planning some upcoming travel and were hoping to use the miles. We are very loyal American Express customers with outstanding credit scores. this has been a very disappointing experience.
Product: Credit card

I am writing to file a complaint against Discover for failing to provide adequate support and resolution regarding a charge dispute related to a damaged bed frame I purchased from XXXX in XX/XX/year>. The bed frame I received was damaged, and I have repeatedly tried to resolve the issue directly with XXXX and with Discover, but neither party has taken appropriate action. I have provided Discover with ample evidence, including emails from XXXX acknowledging that a credit is due, pictures of the damaged bed frame, and proof that the signature on the delivery is not mine, nor did I ever accept the damaged goods. Despite this, Discover has not processed a chargeback or offered any resolution, and my attempts to get assistance have been unsuccessful. I have been patient throughout this process and have provided all requested documentation, but Discover has failed to assist me in resolving this matter, leaving me with no recourse to recover the funds I paid for goods I never accepted. I am seeking Discover 's immediate intervention to resolve this issue by issuing a full refund or chargeback for the damaged bed frame I received from XXXX, in accordance with my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the ( Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit card or prepaid card

I have a chase XXXX reserve card that advertises earning points that can be redeemed at XXXX for travel. I am trying to book two round trip tickets from XXXX to XXXX for XX/XX/XXXX returning XX/XX/XXXX and their booking system online shows several itineraries available at various time of the day from XXXX XXXX XXXX yet I was unable to book any of them ( keep showing error messages ). So I called Chase up on XX/XX/XXXX and the agent who picked up the phone helped me book it. She said they are having system wide issue with their booking but I will receive a confirmation of my booking in the e-mail. That e-mail never came and I called back on XX/XX/XXXX. This time another agent told me a ) they could not find that reservation b ) the flights are not available despite the fact their website still show this and several other flights as available. The agent then elevated the issue to a second customer representatitve who told me the flight is available but at a higher price so I agreed to book at the higher price and then he came back and told me he could not book it. At the same time, all other 3rd party booking sites such as XXXX, XXXX show the flights as available. I asked the customer rep for a solution which would reimburse me for the cash cost incurred to book elsewhere and deduct the required points shown in their system and he came back saying they could only do it at XXXX instead of the XXXX advertised. I asked that he further escalate the issue and have a supervisor call me but he said no one is available and they do not do call back. It is regretful on Chase 's part that 1 ) they lie to be about making a booking when it never happened 2 ) they could not meet their promise despite their own system showing flight availablibility 3 ) they openly acknowledged system issues but instead of figuring out what went wrong on their end and properly remedy the situation, they just let the consumer hanging with no solution offered. To me that is false advertising on the benefits of the card and breach of cardholder agreement. I would strongly ask CFPB to investigate the issue and take appropriate actions. Thank you!
Product: Debt collection

Today received a call from an unknown number XXXX and I didn't answer it because of these robo scams that are out there ... they didn't leave a message, so I did a reverse look up on the number and it was Portfolio Debt collection. I have already sent them a cease and desist letter stating that they can no longer call me and that they definitely can't call me at work during work hours, which they just did. I filed a a complain a few years ago on this site and I thought things would stop, they did for a while. Now they keep calling me. The debt they claim to have is no where to be found on my credit report, so this needs to STOP!
Product: Credit reporting, credit repair services, or other personal consumer reports

i tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX   and XXXX  with supporting documentation showing that you guys are reporting differently to from XXXX to XXXX  and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate furthermore i see that XXXX deleted this account how did they delete it if you verified it with XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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, credit repair services, or other personal consumer reports

I have a {$300.00} Credit limit and I made a one time authorize online payment to XXXX in the amount of {$40.00} using my sons account. XXXX later deducted a total of {$1300.00} within a three month period. XXXX XXXX refunded a portion leaving {$910.00} for XXXX to resolve. XXXX return the funds into the account but held me responsible for the {$910.00}. Once I seen it on my credit report I reported it immediately to XXXX they did a investigation which determined I would not be responsible for any charges due to fraudulent activities in XXXX. XXXX removed the account off of my credit report after almost a year in some months of causing me financial and emotional stress fighting this. XXXX then sold the account to XXXX XXXX whom has now added the account back onto my credit report causing my credit score to drop again making it hard for me to provide for myself and family.