23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I ATTEMPTED to do an XXXX XXXX XXXX with a XXXX XXXX XXXX back in XXXX for which they fabricated medical information and committed medical fraud. They stated I had XXXX XXXX and could get XXXX XXXX XXXX XXXX I simultaneously had my primary XXXX XXXX XXXX XXXX  for which I have the medical records stating that there wasnt any XXXX most likely but possibly there was XXXX and that I was XXXX. In the end I never got the service that I paid {$8000.00} for. This XXXX  clinic could not even supply me with medical records that this was attempted or anything which is another violation of medical law. THE MERCHANT OFFERED TO REFUND ME AND NEVER DID. I put this on my M & T bank credit card for which they did refund me the medication amount but the {$8000.00} clinic amount they are not refunding me despite the fact that the merchant stated multiple times that they would give me a refund! I have an email from the merchant stating they would email me dated XX/XX/year> and the bank is refusing to acknowledge that and take the money back. furthermore, this bank is just sending me copies of an agreement of what I would pay for if I actually went through with this XXXX XXXX XXXX attempt. The bank does not have any record that I actually went through with it. I signed the papers on XX/XX/XXXX do you sign papers, start medication and have your XXXX retrieved in the same day? No the XXXX XXXX XXXX XXXX XXXX XXXX lasts for 14 days. My XXXX  retrieval would have been somewhere between XX/XX/XXXX and XX/XX/XXXX. Where are the records that show that I went through with it and they had a right to keep my money? And furthermore why is it being ignored that the company offered to refund me? They even had me sign a release and still I never got my money. I will include correspondences with that woman, XXXX XXXX, who is their patient relations manager. I signed a release for them and have been asking the whereabouts of my check since then and they never get back to me. They tricked me into signing a release saying I wouldnt sue them. Again MT has a picture of them offering me a refund and doesnt provide any documentation that I went through with XXXX XXXX XXXXe because I didnt, because it was canceled. That is in violation of United States credit laws. If merchant promises a refund, the bank is supposed to take the money back on behalf of the customer, and they are refusing to do so. If this cant be resolved here, Im going to take it to arbitration because you are not providing me with that information which is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit Information Services, LLC XXXX. XXXX XXXX, XXXX, GA XXXX To Whom It May Concern : I am writing to update and correct my personal information on file with your company. 


Please update my address to XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX I do not wish to have any telephone numbers on my report. 

Please remove all other addresses off my credit report as they are not accurate, and are not deliverable to me by the US Post Office, and thus they are not reportable as per the FCRA, since they are not accurate. 

Sincerely, Name XXXX XXXX
Product: Prepaid card

I bought this {$150.00} vanilla gift card when I went for vacation I planned using it on a later date I went to the store and I was told this card is empty with no balance, how could a card I bought new be having insufficient balance? I guess I am a victim of card tampering, I want my card replaced
Product: Credit card or prepaid card

I was going into a dollar general and found a debit card, so went to turn it in at same time I was gon na load {$220.00} onto my chime card, I accidently loaded the money onto the females card I found instead of mine. Chime says account is closed, therefore they can't so anything. That it will go back to dollar general.. dollar general said there's nothing they can do.. that's all kiney I have and I did it on accident.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Removal of XXXX  Charge-Off Account Due to FCRA Violations by TransUnion To Whom It May Concern, I am writing to formally request the removal of a XXXX charge-off account from my credit report due to violations of the Fair Credit Reporting Act ( FCRA ) by TransUnion. My original dispute, submitted on XX/XX/2024, regarding inaccurate reporting of the charge-off account, received a response on XX/XX/2024, which exceeds the 30-day period required by the FCRA. 

Complaint Details : Original Dispute Submission Date : XX/XX/2024 Response Received Date : XX/XX/2024 Account in Dispute : XXXX XXXX  Account Number : XXXX Despite multiple attempts to resolve this issue directly with TransUnion, they failed to rectify the situation and did not comply with the required investigation period under the FCRA. Specifically, the following violations have been identified : XXXX. Inaccurate Reporting of Charge-Off Status : Reporting a charge-off status for multiple months violates FCRA 623 ( a ) ( 1 ) ( A ). 
XXXX. Failure to Conduct a Proper Investigation : This suggests a violation of FCRA 611 ( a ) ( 1 ) ( A ), which mandates a reasonable investigation upon receiving a dispute. 
XXXX. Re-reporting of Previously Disputed Information : This violates FCRA 611 ( a ) ( 5 ) ( A ), which prohibits reinsertion of disputed items unless verified. 
XXXX. Failure to Mark the Account as Disputed : This violates FCRA 611 ( a ) ( 5 ) ( B ), requiring credit bureaus to note the disputed status of an account. 

Given these violations, I request that the Consumer Financial Protection Bureau ( CFPB ) enforce the immediate deletion of the XXXX charge-off account from my credit report. The prolonged inaccurate reporting has caused significant harm and inconvenience. 

Supporting Documentation : Original Dispute Submitted to CFPB on XX/XX/2024 Response from TransUnion Received on XX/XX/2024 Supporting Documents ( Bank Statements, Credit Reports ) Thank you for your attention to this urgent matter. I look forward to your prompt intervention and resolution. 

Sincerely, XXXX XXXX XXXX XXXX
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, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. XXXX5 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. 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. 16815-2 ( 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

My mortgage loan officer says that when they run my equifax credit report it says that I do not exist and when I call equifax they say that they cant see the issue and hangs up. Ive called them twice a day for 21 days with no resolution. Ive asked to speak with supervisors and has been hung up on. If not resolved me and my family will be XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX auto loan opened XX/XX/XXXX amount charged off {$4500.00} and written off {$5400.00} account charged off XX/XX/XXXX no payments due no monthly payments in accordance with the fair credit reporting act XXXX  account 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

Chexsystem is reporting, negative bank information on my account. I have been in the XXXX data breach and a couple other breach. Chexsystem is making it impossible for me to get a loan for my business because they are reporting, charge off, collection, inquiry, bad check, charge off check accounts, and identify theft account for auto loans, ( XXXX XXXX and XXXX ). Chexsystem completely distraught my chances to get approval for loan and I am on the brink of been homeless.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nothing has been resolved, every response is the same. It's like they have a AI bot doing the resolving. They are using stalling tactics, I'm using a third party program to handle my disputes that is open to the public. Every letter and email is authorized by me, all letters that are written and sent are all authorized by me with full blown photos of my ID and Social.
Product: Debt collection

I had a charge with Discover card which Discover card kept repeating charge a $ XXXX fees every month even it is not 30 days grace period billing cycle just like other credit cards that I have plus very high interest rate that i requested them to reduce but they denied. Discover Card has been abused my credit profile and trying to make money on me by keep adding late fees even they had called me on the phone and agreed and accepted the last payment {$200.00} even the balance around {$400.00} and they did not keep the agreement not to charge me the late fees meanwhile after the payment discover charged again late fees {$40.00} which they have been abused to make money on me and they had challenged me to get help from FTC or anyone else.
Product: Student loan

I went to XXXX XXXX XXXX XXXX and I graduated with a XXXX Degree I graduated in 2006. Getting an education at this school was the worst decision of my life. My debt is so bad and I struggled getting work when I XXXX got out of school which just compounded my debt. I also found out that my degree is pretty much worthless and does n't transfer to any other college, I digress. I 've been doing everything in my power to pay down this enormous debt. My current interest rate is at 8.75 % thru Navient/ XXXX XXXX which they increased my interest last year. I pay over {$2000.00} a month and still owe around {$200000.00}. Do I have any options, anything at all, that can help me pay more towards my principle or bring down my monthly payment. I 'm not trying to skip out on paying what I borrowed but the amount that was added on top of what I borrowed is insane. I feel that I 'm a slave to this debt it will be for most of my life. My advise to others is do n't ever follow your dreams if it involves going to a college like XXXX XXXX because in my case it was the exact thing that prevented me from achieving it.
Product: Credit card or prepaid card

I have a previous claim : XXXX-XXXX It looks closed. But i am not satisfied. 

CapitaOne response : " According to our records, we spoke with you on different occasions and advised the reason for the restriction to your online banking was due to a discrepancy in your personal information.This discrepancy was due to the information used at the time of the application. We sent you aletter on XX/XX/2021, asking you to call us to clear up this discrepancy ( enclosed ) .However, we never received the required information to unlock your online account. '' THIS IS A COMPLETE LIE. They requested documents from me and I upload them to a website they provided. I upload my social security card and my driver 's licence. 

I RECEIVED A NEW CREDIT CARD. But access to the website and trying to pay over the phone with an agent from CapitalOne NEVER WORK. SAME PROBLEM! 

I had call them severl time. They have called me several times and in 6 months they are not able to provide a solution. They are very inefficient as a bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect information on my reports with XXXX and XXXX pertaining to status dates of four accounts that were included in a Bankruptcy last year, XX/XX/2020. The accounts in question have been improperly re-aged as a result of a dispute through the above mentioned credit bureaus ... the accounts took the derogatory status XX/XX/2020.. when I filed for Chapter 13 bankruptcy.. My credit report lists the dates more recently which appears to credit models that I had a recent derogatory event, when in fact there hasnt been any derogatory events since filing the bankruptcy. Im in the process of rebuilding my credit and these mistakes are preventing my credit score from improving.. The accounts with the incorrect information are two separate XXXX XXXX accounts, and XXXX XXXX finance, and XXXX XXXX XXXX XXXX. Ive reached to all 3 companies with no success. Additionally, Ive disputed with the bureaus multiple times without success, each time the status dates are showing even more recent.. This is really affecting my life.. as Im actually eligible to get a home loan while going through my Chapter 13, but again due to the erroneous reporting, my scores are not improving.. Please help me resolve this matter.. I only want the correct information to show.. the accounts took the derogatory status more than a year ago.. The only bureau reporting correctly is XXXX.
Product: Debt collection

I am writing to express my profound frustration and annoyance concerning the sudden appearance of a multitude of unauthorized accounts on my credit report. This egregious error has arisen from fraudulent activity, and I demand an immediate and thorough investigation to rectify this situation promptly. 
XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX  PLEASE DELETE!!! 
XXXX XXXX XXXX XXXXPLEASE DELETE!!! 
XXXX XXXX XXXX XXXX XXXXPLEASE DELETE!!! 
XXXX XXXX XXXX XXXX XXXXPLEASE DELETE!!! 
XXXX XXXX XXXX XXXXPLEASE DELETE!!! 
XXXX XXXX XXXX XXXXPLEASE DELETE!!! 
I recently discovered a multitude of unauthorized accounts on my credit report, and I am appalled at the lack of oversight that has allowed these fraudulent entries to tarnish my credit history. This fraudulent activity has the potential to wreak havoc on my financial standing, and I insist on immediate action to rectify this grave error. I demand an urgent investigation into the origin of these unauthorized accounts and their immediate removal from my credit report. Immediately delete all unauthorized accounts listed in the attached document from my credit report.
Product: Vehicle loan or lease

My wife and I filed for a deferral payment option in XX/XX/XXXX due to the wife having XXXX for a XXXX  and our insurance not covering all the costs. 
Once they connect you to the correct department to discuss the deferral option, They run a check to tell you your account will qualify, After they told us our deferral was APPROVED they emailed us an agreement to sign. Once the document was signed, we emailed it back to a XXXX XXXX on XX/XX/XXXX at XXXX, he then responded only moments later with " I sent it over for processing ''. We assumed all was ok, until My wife went to pay our account online through their portal this month. Once my wife saw something odd online, she asked me to call. Once calling and entering my info, they transferred me to collections dept, So I knew something was off. They instructed me that my payment is past due. I said no it is not!! Look at our account, it's always paid as agreed. They instructed that our payment was late since XXXX, and that our deferral for XXXX did not go through. I asked how is this possible when they ( XXXX ) told us it was approved, the 1st collection rep I spoke to said well your document wasn't signed. I reminded him that was looking at the actual email with the signed document attached to it with their representative, XXXX XXXX name attached to it, the representative was unresponsive and unwilling to answer any further questions, I went through this with 3 separate collection agents from Nissan, with the last one saying he was the lead supervisor and there was no senior advisor above him. He only stated his name as XXXX with ID XXXX XXXX was not able to answer why the deferral was rejected, when they explicitly tell you, your deferral has been approved and walk you through the process of sending the actual document. He then proceeds to go through the same process again, make a payment now, and we can defer your next payment, so you are not late. I then stated, why would I set up a deferral option when you didn't honor the last one to begin with. 
I again and repeatedly asked for his supervisor, he was unwilling to give up any information to solve this issue
Product: Checking or savings account

When I was a Wells Fargo customer it was always some kind of problem regarding my checking account. Which lead me to believe the calculations were not correct.
Product: Credit reporting or other personal consumer reports

I have been a Victim of XXXX XXXX / Identity theft as a result of this unauthorized accounts were opened in my name with out my permission please block and delete these account from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DISPUTED THE CREDIT ISSUE BELOW IN XX/XX/XXXX. EXPERIAN DID NOT FIX THE ISSUE AND CLOSED THE INVESTIGATION. XXXX IS THE CREDIT CARD IN WHICH I HAD A SECURED {$200.00} Security deposit that was NOT RETURNED TO ME WHEN I FILED BANKRUPTCY, they kept my money and reported me as bad debt. THERE IS NO PROOF OF ANY CASHED CHECK THAT XXXX HAS SENT ME. PLEASE REMOVE FROM MY CREDIT, REPORT CARD WAS PAID! I ONLY OWED {$24.00} in which I would like waived for inconvenience. 

XXXX XXXX XXXX Account Number XXXX Account Type Secured Card Responsibility Individual Date Opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed accounts on my credit report and the credit bureau continues to report the inaccurate and unverified information
Product: Credit card or prepaid card

I have been approved for a card many many months ago. I have never received a card. They have said they have mailed several cards but they never arrive. I have even confirmed the correct address with them, but still nothing.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX continue to report incorrect information on the account listed as XXXX there are several inconsistencies within the account which means it has not been properly verified as accurate. Furthermore each bureau is actively engaged in reporting fraudulent information because the note that is being used is whats funding this transaction and I can not be indebted to them and the reason they are complicit is because they make a profit for selling my information. I demand the documents used to verify that I am in debt with this creditor. 

Last Verified : XX/XX/XXXX - - Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Creditor Type : Student Loans Student Loans Miscellaneous Finance Creditor Remarks : Payment deferred Student loan - payment deferred Student loan - payment deferred Last Payment : - - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX Account- Disputed discrepancy in reporting contradictory open and closed dates and that account was too old to be reported to credit bureaus. XXXX removed account from Credit Report but XXXX and Experian did not. ( Report Created On : XX/XX/year> File Identification Number : XXXX Provided by XXXX XXXX XXXX. INVESTIGATION RESULTS- DELETED : The disputed items ) was removed from your credit report. ) ( In response to your dispute, this item was DELETED from your credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Between XX/XX/year> and XX/XX/year>, your credit card account with XXXX XXXX XXXX XXXX XXXX XXXX was removed from your credit report. )
Product: Credit card

On XX/XX/2023, I purchased online from XXXX a camera with XXXX lenses for {$540.00} and charged it to my American Express credit card. The product never arrived. I tried to contact the merchant, but their email, phone number, and contact us links are not working. 

I disputed the charge with Amex. The dispute was denied because the merchant supplied a XXXX tracking number showing a completed delivery. I queried XXXX and they gave me documents showing that the deliverys recipient was not my name nor my address and the product shipped was an envelope weighing less than a pound, too small to contain a camera and lenses. 

Ive reopened the dispute multiple times with this info and Amex repeatedly denies the dispute saying the merchant sent proof of delivery. 

My main points : -I and my address was not specified as the recipient of the XXXX shipment. 
-I have no way to contact the merchant.
Product: Debt collection

I was a XXXX XXXX XXXX XXXX  for many years, I attempted to cancel my membership and they did not allow me to during the pandemic because I had to go int oa location, eventually they changed policy to allow cancellation via email, I sent the email and continued to be charged, this was very difficult for me to deal with over the pandemic and I just let it go, after several attempts to get them to stop billing me I decided my only recourse was to just change banks, I closed my XXXX XXXX account and no longer use it. they attempt for months to get me to pay membership that I do not owe, and eventually we came to an understanding that I don't owe them money for membership but they wanted to collect a cancelation fee, I refused as I had many many months of membership paid to them that I did not use or want, I honestly wanted that money refunded. I decided to choose my battles and just accept that this is over. Now a debt collector is trying to collect a debt of {$120.00} from me. I have no idea how they figure I owe this. I absolutely refuse to give these thieves any more of money.