23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I contacted XXXX  and explained I had fraud transactions on my account and there were purchases in XXXX  and I live in XXXX XXXX .they were/are not my charges ... .they did investigation and sent me a letter that these charges were found to be valid..I did not hear from XXXX with copies of my signature and the original receipts. I do not have access to enter stores in XXXX  As I live in XXXX XXXX
Product: Credit card

I purchased a chair on XXXX/XXXX/15 for {$950.00} at XXXX XXXX in XXXX XXXX. I charged the amount to my Chase business card. Later I saw that the {$950.00} had been charged twice. I disputed the double charge and initially received a credit from Chase in XXXX. The merchant then submitted documentation to justify the XXXX charge which was a different person, in a different city for a purchase of {$11.00}. I responded to Chase and explained that the merchant had submitted incorrect information. Chase promised to continue the dispute. On XXXX/XXXX/2015 I was rebilled by Chase for the disputed amount of {$950.00}. I called the bank and was told the charge would be handled as a fraud case. I received a new credit card. Today ( XXXX/XXXX/2015 ) I saw online that the charge had not been removed from my account. I called Chase and was informed that the merchant hat verbally stated that the charge was part of an installment plan for a {$5000.00} purchase and the charge was seen as legitimate. As I do n't have an installment plan with this merchant and did n't make a purchase for {$5000.00} I asked the bank to continue to recover the false charge. I spoke with a supervisor who told me this case was closed and that Chase would not pursue the matter further. Previously, a Chase employee had told me " off the record '' that I should contact you to resolve this issue if the bank refuses to help me.
Product: Debt collection

In XXXX or XXXX of XXXX, I received a weekend phone call from a company concerning a dept from a creditor in which I had no previous contact or experience. I informed the company that I had no knowledge of this debt and it did not belong to me. The company requested over the phone that I provide my SS # in which I refused to provide over the phone given multiple fraud attempts regarding my personal information. I receive a statement dated XX/XX/XXXX from MRS BPO LLC for an amount of {$500.00}. I responded to the letter in writing informing this company that I have no record or knowledge of the dept, did not think the dept was mine and requested that they cease from contacting me regarding payment for this dept. 

On XX/XX/XXXX, I received a electronic alert that my credit record had a collection notice placed by XXXX XXXX XXXX XXXX XXXX. When I examined my credit report, my score had negatively been impacted by over XXXX points due to collection note placed on my file by XXXX XXXX XXXX, XXXX. I had not been contacted by this company previously. I called XXXX XXXX XXXX, informed them that the account was not mine. They provided a document in which it appeared someone had opened an account via the internet using my personal information and an email account that was not mine. I informed XXXX XXXX XXXX that I did not open or had no knowledge of the account and it appeared to be fraudulent. They demanded that I file a police report, obtain a certified rebuttal and provide ID to " investigate '', meanwhile my credit continues to be flagged with the fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I applied for a Debt Relief Product from XXXX  XXXX XXXX XXXX. the Account Executive # 1 ( Name XXXX XXXX ) after explaining how i had been overwhelmed with credit card and personal debt after falling behind with some bills during the XXXX  XXXX  XXXX, i tried to negotiate with these companies until got my finances but i received little to no help from them, so i been looking for financial that might help get back on track XXXX told me that the credit card companies really nerve work with the consumer 's in the way that their company would I was informed that i would be clear of Debt in four years and i would be saving a great deal of money if i allowed this company to deal with my creditors and debt after running my credit check, he came-up with a solution that allegedly suppose to get my out of debts and lower my high interest credit cards and loans, I decided that the information that he gave me sounded good and that i can finally resolve my debt, what he didn't tell me that he was giving my information to a second and third company # 2 Clear One Advantage LLC this company has document with my signature that i dint authorize # 3 XXXX XXXX XXXX XXXX ( Saving processing company this company takes the Money from my Bank Account they also have my signature ( electronically signed and initials ) on documents that i'm not aware of what they mean along with unknown fees this company is listed at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX OK XXXX ( Clear One is located at XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX/ and XXXX XXXX XXXX is located at : XXXX XXXX XXXX XXXX XXXX Ca XXXX. I was never informed that my information would be given to other companies, when i found out later that evening i tried several times to contact Mr XXXX neg reponse My name is begin use without my permission, information that i didn't agree to or didn't know about has my signature and initials al unauthorized with this unknown company they are taking advantage of the consumer and this is a lot of fraud going on i called and sent an e-mail today to cancel this product I'm with in my three days as of XX/XX/19 but Mr XXXX never told me about this in read over the contract that evening and found out all the inconsistency in the application processing someone need to stop this fraud with this type of company as a consumer who is already in distress with bills this is not fair to let these company take advantage.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received notification that money was sent via XXXX. The sending bank has tried over and over to help. The sent the money again. I called my bank chase over and over and over. They are arguing and yelling at me because they do not understand and keep telling me why I called. I asked for someone to help me because this continues to happen. The supervisors start yelling as well. They disconnect the line so they won't help me. I have not been able to access what was sent. No one at chase nor XXXX helped me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a collection in my name that isn't mine to both TransUnion, XXXX and XXXX. I have a common name and it seems someone with the same name has a defaulted account that is showing up on my credit report in error. I demand this gets removed right away. I have never defaulted on any accounts. I am trying to refinance my house and my credit scores are 100 points less than they should be due to this reporting issue. I have attached my identity documents to prove that this was never my account as well as my credit report profile data. All my previous addresses are valid for me. Over the past 12 years, I have never received mail at any other addresses.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XX/XX/XXXX XXXX - {$11.00} XX/XX/XXXXXXXX - XXXX - {$0.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX  XXXX XXXX XXXX XXXX, PA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; KXXXX XXXX XXXX XXXX Balance Owed : {$10.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX XXXX Balance XXXX XXXX {$6600.00} ; XXXX XXXX  XXXX Balance Owed : {$450.00} ; XXXX XXXX XXXX Balance Owed : {$340.00} ; XXXX XXXX XXXX Balance Owed : {$370.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$500.00} XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX FOR XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX BANK XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX CA XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXI XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Product: Credit card

I was issued a pre-approved credit limit with Country Door at first through the mail attached to their catalog. When I went to use the store credit, They used VA medical bills on my credit report to determined my credit limit that the VA is responsible to pay, not me, and denied me credit all together. Thus, they discriminated against me as a XXXX Veteran.
Product: Debt collection

See the Attached documents pertaining to identity theft and unlawful actions ADDED Exhibit
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax keeps reporting falsely that I have bankruptcies in my public records and the XXXX XXXX is their information source. I have attached the results of my Equifax dispute with this false claim as well as my XXXX XXXX report with the contrary.
Product: Credit reporting or other personal consumer reports

I have 2 accounts open for student loans that Im sure I paid off a while ago that are now being showed delinquent. I have them off once again and they are still showing delinquent on my credit report and the accounts are still open. When will it reflect that I have paid them off and get them removed from my credit report? I took a major credit hit from XXXX XXXX XXXX just because of this and would love for it to be resolved.
Product: Credit card

I have a Lowes Credit Card, managed by Synchrony Bank. Account # XXXX. When I made my purchases at Lowes I was not tgold there was another company involved. I was in a XXXX accident XXXX XXXX XXXX. Since that time until this week, I have been in a XXXX and an inpatient in a XXXX XXXX Hospital, XXXX XXXX, XXXXXXXX. I am a XXXX Resident. On XXXX XXXX XXXX my father called the credit XXXXcard comopany, and after I authorized him to speak on my behalf, attempted to pay off the balance of the principle, and asked for an accomodation, forgiving the interest of {$1000.00}, on a bakance of {$3500.00}. We were transferred to 6 diffenent offices, and after 1 hour 15 minutes hung up on. This is a dedceptive practice. My father was doing the talking and is helping write this complaint. I want gto pooay off the principle balance, and cancell ghe card, they will not cooperate.
Product: Credit reporting or other personal consumer reports

When I checked my credit report today, I was shocked to see incorrect accounts listed, and I have no idea how or why this happened. I refresh my credit report regularly, but these discrepancies appeared without warning. I thought it might be a system error, but refreshing the browser didnt resolve it. Please go over the documents Ive sent carefully so I can stop living in constant fear over this.
Product: Credit card or prepaid card

XX/XX/2023 I received an email about a purchase made through Afterpay US Services , LLC ( " Afterpay '' ). The purchase was for a membership with XXXX XXXX XXXX XXXX XXXX in the amount of {$60.00}. I called in and spoke with XXXX, he informed me that the charge wouldn't be reversed. I made a purchase XX/XX/2023, and paid in full by XX/XX/2023. XXXX informed me that when I made the purchase it automatically signs me up for a membership when i put in my email. I informed XXXX, it never told me or gave me the option if I want to sign up for it. I informed him that this is deceptive practices and I do not consent to the charges. XXXX from XXXX XXXX XXXX did not remove the fraudulent charge and I am reaching out for assistance in this matter.
Product: Credit card or prepaid card

American Express is not properly investigating a dispute I opened twice regarding an item I returned for a refund. I have documentation regarding the return and the receipt of a successful delivery / return tracking number. On XX/XX/XXXX, I purchased a XXXX XXXX XXXX Laptop from the XXXX store which had a defective screen. Shortly after I requested a return through the XXXX XXXX and was given a UPS shipment label with tracking number # XXXX. 

With this tracking number I returned two of my defective XXXX XXXX 's, only one of which I was refunded. ( There was a third return as well, due to yet another faulty laptop on XX/XX/XXXX however that was already refunded. ) American Express seems to be getting confused due to the multiple purchases and refunds, however only 2 of my 3 laptops were refunded despite all of them being returned and successfully delivered to XXXX. 

XXXX Store Returns : NOT REFUNDED XX/XX/XXXX - XXXX ( Order XXXX ) REFUNDED XX/XX/XXXX - XXXX ( Order XXXX ) REFUNDED XX/XX/XXXX - XXXX ( Order XXXX ) Again, all 3 of these laptops were returned but I was only refunded for two.
Product: Bank account or service

XXXX XXXX XXXX XXXX, SC XXXX : Capital One FCRA LitigationTo Whom It May Concern : I had previously advised your company that I have been a victim of ID Theft. As a result I have a fraud alert requiring companies to contact me prior to approval for credit. Over the last 2 years Capital One has called/sent letters asking if I applied for credit which I have not. I have responded by phone and in writing that I have not applied/authorized said inquires on my credit and they needed to be removed. Your company stated in response to a previous CFPB Complaint and said that you would remove the unauthorized inquires once I faxed a copy of my credit report. Which was done the day that it was requested. Well now over a month later not only do they still remain but the number of inquires have since increased. Between all XXXX credit bureaus there are over XXXX total. Under FCRA ( codified at Title 15 United States Code Section 1681 and following ) this constitutes Willful Noncompliance in reporting on your behalf. 
Although your company seems to think that you can take advantage of what you perceive to be an uninformed consumer, I am far from that. I know that under FCRA each separate incident ( Inquiry ) reported where your company has failed to prove Permissible Purpose I am eligible for {$2500.00}. Now as we both know I can retain a law firm that I have worked with very closely in the past do handle this matter and they would gladly take the case and file suit. Your company in an effort to avoid a lengthy lawsuit costing thousands of dollars in attorneys fees and court cost would attempt to settle. Now that is a route I do n't mind going but serving in the XXXX XXXX XXXX of the values instilled in us daily was integrity. Due to the fact I do n't think it 's fair for your company to immediately be forced into paying my attorneys fees and so on I am going to afford you XXXX final opportunity to resolve this matter on a voluntary basis. I do want you to bear in mind I also do n't believe it is fair that your company being the 'Big Business ' you are completely ignores this offer to resolve and merely offers to correct the problem. The XXXX are not XXXX in the same and if you treat them as such I will cease all contact and file suit against your company. 
Here is what I am proposing you immediately remove any and all inquiries from all XXXX credit bureaus and pay me a settlement of {$10000.00}. The offer for settlement is more than fair considering your cost in legal fees would far exceed that amount. This must be done on or before 14 calendar days from receipt of this notice. If you opt to not to do so then I will have no choice but to seek the full amount entitled to under FCRA plus actual damages. Please confirm receipt of this notice by calling XXXX. 
Thank you for your prompt attention to this matter, XXXX XXXX
Product: Consumer Loan

Last month I informed Capital One Auto Finance that my pay dates had changed which would affect my direct auto pay for my vehicle loan. I requested that my XX/XX/XXXX payments begin on XX/XX/2017 and every other Friday thereafter ( XX/XX/XXXX and so on ). I was very clear in my request and was assured that the direct debits would take effect on the above dates. On XX/XX/XXXX, Capital One debited my account in error which overdrew my checking account. I contacted Capital One hoping they would IMMEDIATELY correct THEIR error. I was told that the call that I made to them in XX/XX/XXXX requesting the change would have to be listened to so that they could confirm that a bank error had occurred on their end in debiting my account on an unauthorized date. After they confirmed that this was the case, I was advised that they would return the funds to my bank account. While speaking with Capital One on my landline, I called XXXX on my cell phone. I advised them of the reason for the overdraft and the assurance from Capital One that the funds would be returned to my account. I was told by XXXX that a note would be added to my account so that when the overdraft fee hit my account, once Capital One returned the funds, XXXX would reverse the overdraft fee ( no fee for me and none for Capital One ). I am so upset since the funds have not been put back in my account yet. Yesterday, Tuesday XX/XX/XXXX, I called Capital One to ask why the funds had not been placed back into my account and I basically received a weak response that it POSSIBLY would take place tomorrow ( which is today, Wednesday, XX/XX/XXXX ). Well, that did n't happen. I am writing this complaint for two reasons. Capital One is a XXXX dollar financial institution, it is UNACCEPTABLE and totally UNREASONABLE that when they make an error of {$130.00} that they can not IMMEDIATELY correct that error, especially when they have caused harm to their customer. Also, it is equally UNACCEPTABLE and UNREASONABLE that the harmed consumer is expected to wait an ADDITIONAL time frame when they are to be reimbursed for bank overdraft fees ( if the financial institution issuing the fee is unwilling to reverse the fee due to an unauthorized debit that overdrew the account ). Hopefully by the time you receive this complaint, the entire issue will have been resolved, but that does not negate the fact that a bank of this size is able to conduct business in this manner. I did inform Capital One that I would be filing a complaint with the appropriate regulatory agency which oversees their business activities. This is an unacceptable policy that NEEDS to be addressed. Please reach out to Capital One!
Product: Credit reporting, credit repair services, or other personal consumer reports

Pell Grant Overpayment. ( {$400.00} ) ( There was not an option for school grants. If this has been sent to the wrong dept. please forward. ) On XX/XX/XXXX I called XXXX XXXX XXXX, the collection agents for my two defaulted federal student loans. ( XXXX XXXX XXXX ) During that call the agent told me in order to qualify for the rehab I would need to pay in full the " Grant Overpayment ''. I was unaware of any overpayment. This was a " first time '' Pell Grant. ( issue date XXXX ) I agreed to pay the overpayment. During that call, before setting up the loan rehab, the agent took my payment in full over the phone. Further, the agent impressed upon me that all negative reports to the credit reporting agencies would be removed upon completion of the rehab program. 

I successfully completed the loan rehab XX/XX/XXXX. The two federal student loans I have are reporting correctly. Those two debts report " current '' and no late payments. The Pell Grant Overpayment reports Collection. Collection as of XX/XX/XXXX. So, 7 years of a collection is the result. Experian says the baddie will stay until XXXX. XXXX!!! 

Called and wrote to Experian ( other two c.r.a. 's are not reporting the debt ). 
Experian reports the trade line as : " Account type : Student Loan '' ( it was grant when distributed, yet reports as Loan. ) " Account status : Paid, was a collection account, insurance claim or government claim or was terminated for default. ''
Product: Credit reporting or other personal consumer reports

To whom it may concern : 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. 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, ACCOUNT NAME : XXXX XXXX ACCT # XXXX ACCOUNT NAME : XXXX ACCT # XXXX ACCOUNT NAME : XXXX XXXXXXXX ACCT # XXXX