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

Good afternoon, I need your assistance please, I 've tried in good faith to dispute and request a refund for the faulty workmanship, substandard shoes and not the shoe size I ordered and I 'm unable to wear. I purchased two pair of shoes from XXXX in XXXX 2016, the shoes appear to have been made in a substandard factory still reeking of a horrible smell and the appearance of grease ( pictures attached ). It took approximately one month later for me to receive my order, I began initiating correspondence to them approximately two weeks after processing my order. After receiving the shoes, I attempted to resolve the dispute prior to engaging my bank. XXXX offered to refund only {$15.00} and later {$30.00}, which both were unacceptable for a {$150.00} purchase. I later contacted XXXX and I could not reach a resolution. XXXX determined that I was eligible for a refund ; however, I would need to return the shoes to do so. The cost to return these shoes to XXXX was {$170.00} more that the amount I had paid for the initial purchase - which was not an economically wise and equitable decision. I contact and submitted all required documents requested for the credit union representative. I later learned from another Navy Federal representative that the time to process a refund had expired.
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After failed attempts to resolve the matter with XXXX, XXXX  and Navy Federal I found your information to file a claim. It 's so upsetting for a company - XXXX to attempt to defraud me. After submitting my payment and not receiving my shoes timely, I began researching the company and noticed a number of unsatisfactory customer complaints. It is my personal opinion that this customer is defrauding others as well. There are no derogatory complaints on their website but noted on many other sites.
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I am hard working mother of XXXX and do not have money to give to anyone. Please assist me with obtaining my money for this fraudulent issue.
<P/> XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against your organization for the persistent failure to remove fraudulent items from my credit report. Despite my numerous and diligent efforts to address this issue, the fraudulent items continue to tarnish my credit profile, causing severe financial and personal distress. 

I have exhaustively followed the dispute resolution procedures as outlined by your agency, providing extensive documentation and evidence that unequivocally demonstrates the fraudulent nature of these items. However, your organization 's repeated failures to take appropriate action to rectify this issue are inflicting substantial harm on my creditworthiness and financial stability. 

It is imperative to underscore that the Fair Credit Reporting Act ( FCRA ) imposes a legal obligation on credit reporting agencies to ensure the accuracy of the information contained in credit reports. Credit reporting agencies, like yours, are mandated to conduct thorough investigations and take necessary corrective measures when inaccuracies and fraudulent activities are identified. 

Despite my unwavering efforts and the substantial evidence I have submitted, I continue to endure the following adverse consequences due to the fraudulent items on my credit report : Difficulty obtaining credit or loans at favorable terms.

Higher interest rates on existing credit accounts.

Grave harm to my creditworthiness and financial opportunities.

I hereby formally request that your organization takes immediate and decisive action to investigate and rectify the fraudulent items on my credit report. If it is confirmed that these items are indeed fraudulent, I insist on the following actions : Swift removal of all fraudulent items from my credit report.

Correction of my credit report to accurately reflect my financial history and creditworthiness. 
Provision of written confirmation of the removal and any updates made to my credit report. Enclosed with this letter, you will find copies of all previously submitted documentation, including supporting evidence, dispute correspondence, and any other pertinent materials. I trust that this information will expedite your investigation and lead to the immediate removal of these fraudulent items from my credit report. Please help me remove the following fraudulent items : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}.
Product: Credit card or prepaid card

On XX/XX/XXXX the consumer applied for a American Express Platinum Card to Extended Consumer Credit to open a account to make finance charges. American Express took Adverse Action and violated multiple Federal Laws.

Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that American Express is in violation of 15 U.S. Code 1681m ( a ). Adverse action Does not mention denial of credit. American Express took Adverse against the consumer credit.

Fact, affiant is aware and has proof in the attachment labeled as Exhibit A, Exhibit B and Exhibit C that American Express is in violation of 15 U.S. Code 1681a ( 2 ) ( B ). The consumer extended credit to American Express by issuing the consumer credit card [ SSN ]. American express denied credit to the consumer after authorization.

Fact, affiant is aware and has proof in the attachment labeled as Exhibit C that American Express is in violation of 15 U.S. Code 6802 ( b ) ( 1 ) ( A ). American Express did not disclose to the consumer that information will be reported to a third party. 

Fact, affiant is aware and has proof in the attachment labeled as Exhibit C that American Express is in violation of 15 U.S. Code 6802 ( b ) ( 1 ) ( B ). The consumer was not given the opportunity to opt out before the information was disclosed to a third party.

Fact, affiant is aware and has proof in the attachment labeled as Exhibit A, Exhibit B and Exhibit C that American Express is in violation of 15 U.S. Code 6802 ( b ) ( 1 ) ( C ). The consumer was not given an explanation of how the consumer can exercise the nondisclosure option.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi i sent letters with the past three month to all three credit bureaus and have not got back any response.
Product: Debt collection

This situation is beyond frustrating and completely unacceptable. Imagine waking up one day to find yourself burdened with a debt youve never incurred, unverified and completely foreign to you. On top of that, I am being bombarded with relentless harassment from various communication channels, using different tactics to pressure me. The thought of facing legal threats over something I have no connection to is both infuriating and distressing. As a responsible and law-abiding citizen, I find it deeply insulting that my consumer rights are being blatantly violated. This ongoing issue has taken a serious toll on my XXXX XXXX, leaving me exhausted and anxious for days.
Product: Bank account or service

Wachovia closed my checking account and issued me a cashier 's check for the balance left in my account just before their merger with Wells Fargo so when I tried to deposit the funds into my Wells Fargo account the checked was returned and when I checked with Florida state to see if the funds were escheated to the state nothing is listed these funds belong to me and Wells Fargo is refusing to honor the check
Product: Debt collection

I have received a debt collection notice from NCS ( National Credit Services Inc. ) located at [ XXXX XXXX XXXX XXXX, WA XXXX ] today XX/XX/XXXX in my residence mailbox. The notice is dated for XX/XX/XXXX. The debt in question is from creditor XXXX ( XXXX XXXX XXXX XXXX ) for an unconfirmed and presumed parking violation on XX/XX/XXXX. The letter also encloses the principle amount and interest. Enclosed in this letter is no proof of violation or contact number for the parking management company. 

I had called the debt collection agency ( NCS ) about the claim and they informed me of which parking lot the alleged violation is in as well as asking me if I wanted proof of the violation. ( of course I do ) But now they have to mail it out to me again. I have no recollection of being at this parking lot the date that is posted.

Here are my issues with this whole process so far...

1. Like any normal parking violation, one would expect a ticket on the windshield of their car if violated. This was not done.

2. No attempts were made to communicate to me that a violation had been associated with my license plate. The company has an online portal for payment/checking. I check the mail twice a week. 
3. Instead of trying to communicate with me through writing or other means, the parking company ( XXXX ) immediate first response is to file a debt collection against my name. This is serious business as it appears on credit reports. 
4. I tried looking up my plate through their online portal at XXXX XXXX XXXX # /citation/citationSearch and my license plate did not show up in their database. Thus I proceeded to email the company to ask about the violation. Their response was that they could see the record but refused to communicate with me about the violation, provide evidence, or offer a resolution. Only said I could communicate via NCS.

5. The debt collection agency was extremely slow with their correspondence. My debt owed is only {$70.00} and although interested may amount to a few dollars, this may not be the case for people who have outstanding debts in the thousands.

The lack of professionalism or empathy from either company is appalling. The debt collector only sent me a letter noting I owed money, how is one to trust this. Also communication can only be done through writing, this is the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information on my accounts has been diligently neglected by TransUnion. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the information that are still reporting on my account : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX Inquiries XXXX XXXXXX/XX/XXXX XXXX XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DOFED XXXXXXXX XXXX/DOFED XXXX XXXX/DOFED XXXXXXXX XXXX/DOFED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have applied for a personal loan recently to reduce my credit card loans, and was rejected by the bank due to information provided by credit card reporting agency. The Bank , XXXX, claims that there were XXXX delinquencies listed, and quite a few of them in the last three years. This is incorrect information. I have not had any delinquency in my XXXX credit cards or my mortgage or any bills that were unpaid in the last three years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 States 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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
Product: Debt collection

ATTN : To whom this may concern Please be advised that as of XX/XX/2022 as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : ACCOUNT NAME ACCOUNT NUMBER EOS ECCA- XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 
Starting 30 days from the day you receive this complaint ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the account from my consumer report without prejudice. 

Warm Regards, XXXX : XXXX Without prejudice, all natural inalienable rights reserved.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) i'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions. 

I contacted XXXX XXXX XXXX on XX/XX/XXXX at XXXX to inquire about an account that was closed XX/XX/XXXXXXXX I spoke to XXXX rep with XXXX XXXX XXXX  and he stated after the account was closed and charged off XX/XX/XXXX he then stated the company was charging the account {$30.00} for 8 months after the account was closed. he then transferred me to a senior account manager by the name of XXXX. She repeated the same think XXXX stated I corrected her and said Im seeing a {$39.00} late charge on this account and was charged for 8 months after the company closed the account and charge the account off XX/XX/XXXX on the call with mark i did inform him I was recording the call also since his company was recording the call. I informed him it is a against the FCRA to charge clients on a closed account. XXXX transferred me to another Senior account manager name XXXX. XXXX hung up when the call started she did not inform me the call was being recorded. I did inform her I was recording thats when she tried to say the call was being recorded and said I dont agree to you recording my call. She hung up saying i do not agree to being recorded. I advised her its against Consumer Law to charge late fees to a closed account. They refuse to validate the account. This company is reporting inaccurate information on my credit file.
Product: Credit card or prepaid card

XX/XX/XXXX I applied for barclay black card Was denied because I have sufficient credit Even though I only have two credit cards. I have great income and my debt to income ratio is perfect. 
I Was asked why I do not have credit prior to XX/XX/XXXX, thats simply because I was XXXXyears of age. They made their decision based on that.
Product: Credit reporting or other personal consumer reports

I am formally disputing inaccurate and unverifiable information appearing on my credit report, as detailed below. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I demand a full and thorough reinvestigation of these items within the legally required 30-day timeframe. Failure to verify these accounts with documented proof will require their immediate deletion under federal law. 

DISPUTED ACCOUNTS- XXXX XXXX XXXX XXXX XXXX Credit collection serv-45100 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Back in XX/XX/2022, my company used XXXX XXXX per client request. After the shipment left our warehouse, we realized that the " BILL TO '' party was incorrect. The shipment should have been billed third party. XXXX XXXX  was contacted shortly after the freight left our warehouse to update the XXXX. XXXX XXXX confirmed we can update the XXXX  to reflect the correct " BILL TO '' party. XXXX XXXX  was sent the updated XXXX, they confirmed it was updated, and they provided us a case number confirming the communication : XXXX. Almost year later, we received a letter from a collection agency, BIEHL AND BIEHL INC, demanding the payment for this shipment. Turns out, XXXX XXXX  did not bill according to the updated XXXX despite confirming they would, and they sold the amount due for the freight to a collection agency : BIEHL AND BIEHL INC. The collection agency refused to dispute the debt owed despite the debt not being ours. The representative from BIEHL AND BIEHL INC falsely claimed that freight can not be re-billed. We explained to the representative that we have a case number and confirmation for XXXX XXXX of rebill. The representative said that was not a valid reason to dispute, and continued to falsely claim the debt belong to us despite XXXX XXXX confirming the shipment would be billed to the correct party. After disputing the debt, the representative told us that regardless we are responsible. She told us it doesn't matter who the freight should have been invoiced to because XXXX XXXX had already sold the debt to them. We are not responsible for this freight cost. Both BIEHL AND BIEHL INC and XXXX XXXX  has been written regarding this incident, and there has not been a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Did Not validate any thing in there response just hearsay, NOT one documents shows there right to report to the CRA 's while in dispute and refuse to show legal documentation of any contract with myself XXXX  XXXX  and PRA, Nor a contract with PRA and myself NOTHING .FDCPA section 805 { b } states without prior consent of the CONSUMER { myself } given directly to the debt collector a debt collector may not communicate, in connection of any debt. also FCRA also does not allow 3rd party collectors to inquire on a consumer credit reports
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under, 15 U.S Code 1681b-Permissible purposes of consumer report as ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS Of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer.NO CONSENT IS IDENITY THEFT. As a consumer I am demanding the deletion of the account ( XXXX ) listed IMMEDIATELY! 

Account name : XXXX XXXXXXXX, Account # XXXX, Account Name XXXX XXXX XXXXXXXX, Account # XXXX, Account Name XXXX XXXX XXXX, Account # XXXX and Account Name : XXXX / XXXX, Account # XXXX
Product: Checking or savings account

On XX/XX/XXXX I received a call from the Wells Fargo fraud department a lady stated that there was suspicious activity in my account for a {$500.00} XXXX transaction and {$100.00} for XXXX. She asked if this was me and I said no. She then said ok that she can turn off my card and she will need to send me a new one. She said she needed my access code to do this. I was unaware of my access code so I guess and said my pin and then i said maybe its my last 4 of social security number. She then said my address number so she can send me a new card. She stated 2 of my previous addresses and I told her it changed and she said in order to update it I had to tell her the verification number through text. She did it 2 times and I told it to her. She said I would get my new card in 1 day. A few minutes later after the phone call I got a text from Wells Fargo to verify account activity and I quickly checked my online banking app and saw 3 transactions that were not me. One of {$1000.00} that was declined another one of {$1000.00} and another of {$990.00}. I turned off my card in the app and quickly called Wells Fargo and told them that was not me doing those transactions. I said that a lady had previously called me stating there was fraud and that she had already turned off my account. The Wells Fargo man on the phone said that my card was turned off and that the transaction probably happened before it was turned off. But I said it was not authorized nor done by me. He said he would send me a new card in 5-7 business days and I was asking him why the lady said I would get it in 1 day. I finished the phone call with the Wells Fargo man and he submitted a claim. I then went to check my email and saw that my withdrawal limit was increased to {$2000.00} and that was not me authorizing that either. I then realized that the first phone call I received claiming it was Wells Fargo was really not and that I got scammed by them because I gave them my PIN number thinking that was my access code and because I gave them the 2 verification numbers that they sent. I quickly called Wells Fargo back stating that I believe the first phone call I got was how I got scammed and the man said that a claim was already opened and that I had to wait 10 days to hear back. I never heard back from anyone and when I called wells Fargo the claim was already closed and they said it was denied because I authorized it. I never authorized it and it was a scam I was telling them but they said that according to their investigation i cant get my money. No one was able to help me or fix this for me. They all said nothing can be done because there investigation shows no fraud.